dmertz
Level 15

Retirement tax questions

No.  Once you contribute to a Roth 401(k), either as an original contribution or by In-plan Roth Rollover, the money and the earnings on that money are forever Roth.  Recharacterization of money in a Roth 401(k) is not permitted.  Rolling Roth 401(k)  money over to a Roth IRA doesn't change anything.

Recharacterizations are only permitted on original contributions to a traditional IRA, original contributions to a Roth IRA, Roth conversions from a traditional IRA, or rollovers from a traditional 401(k) or similar traditional qualified retirement account to a Roth IRA.  The last two are not permitted for tax years after 2017.