Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided., Any earnings in a Roth IRA have the potential to grow tax-free as long as they stay in the account. Withdrawals of earnings from Roth IRAs are federal income tax-free and penalty-free if a 5-year aging period has been met and the account owner is age 59½ or over, disabled, or deceased., If you have Roth 401(k) assets, you can roll over those assets into a Roth IRA, tax-free. If you have a pre-tax 401(k) monies, you can still roll over these assets into a Roth IRA. However, since Roth IRA contributions are made with already taxed dollars this would be considered a "Roth conversion." If you choose to convert your to a Roth IRA .