If investments in a 401(k) have lost money, can you use the current value to convert to a Roth?

Investing, 401(k), IRAs
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May 2017

The first question that needs answering is "convert to a Roth where?"  Does your current 401k allow Roth within it, or are you referring to withdrawing it from the 401k?  I would personally request the 401k plan SPD (Summary Plan Description) and see what rules they have as options. I do this all day long for people, and you would be surprised with options are sometimes available.  Inevitably the conversion to a Roth has many factors which will determine if it's the smart thing to do or not, this is not a no-brainer. Consult with a professional on this one.

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