ROTH Conversion
I am 70 yrs old, retired, & have both an existing Roth I have been drawing on & also have a 401k worth less than 200k. I am expecting some investment return $'s to go into the 401k account but I would like to convert that to a ROTH BEFORE those funds shows up. My question is if I do that conversion will I have to wait 5 yrs to access those funds, or because I already fulfilled more than 5 yrs on my ROTH account would the investment returns be immediately available?
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