ROTH 401k

Jeff Pratt 1 — Wed, 22 Oct 2025 16:40:54 GMT

I've been told and read that my ROTH 401k distributions are not taxable. But recently, I saw an article stating that the EARNINGS on my ROTH "could" be. That is the first time I have seen this comment.

Is this a fact?

If so, how is that calculated?

Re: ROTH 401k

dev145 — Wed, 22 Oct 2025 16:48:58 GMT

Earnings on Roth contributions are also not taxed when they are withdrawn from the plan if your withdrawal is a qualified distribution. A “qualified distribution” is a distribution that is made:

at least 5 years after the first contribution to your Roth account; and
after you’re age 59½ or on account of you being disabled, or to your beneficiary after your death.

https://www.irs.gov/retirement-plans/roth-acct-in-your-retirement-plan

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topic ROTH 401k in Retirement tax questions

ROTH 401k

Re: ROTH 401k