I am considering converting my Roth 401k funds to a Roth IRA, to avoid the required minimum distributions which I understand are required by 401k rules but not required under IRA rules.
If I do so, will my funds all be subject to penalty if withdrawn before a new 5 year period?
And for either a Roth 401k or Roth IRA, if inherited (after the waiting period) will the beneficiary withdrawals be free of taxes also?
