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Dude3145
New Member

SE 401K, Roth, Tradition IRA Contribution Recharacterization Question?

Hello,

If I recharactize a Roth Contribution to a Traditional, I know all the capital gains while it was in the Roth go with it to my Traditional IRA.

However, since I am required to include the origianl amount with my overall my Self Employeed 401K contribution max allowance, do I  also include the gains as a part of the maximum SE 401K contribution?

Thanks for your help and consideration.

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2 Replies

SE 401K, Roth, Tradition IRA Contribution Recharacterization Question?

dmertz
Level 15

SE 401K, Roth, Tradition IRA Contribution Recharacterization Question?

I don't understand what you mean by, "I am required to include the original amount with my overall my Self Employed 401K contribution max allowance."  IRA contributions and Roth conversions have nothing to do with a self-employed 401(k) contribution.  A 401(k) is not an IRA and an IRA is not a 401(k).

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