Can I rollover my Roth IRA into a Roth Solo 401k?
Can I rollover my Roth IRA into a Roth component of my Solo 401k?
Answer:
It is generally understood that everything can be rolled over from one type of account to another type of account freely, with the one exception of a ROTH IRA. ROTH IRA funds can only be rolled into another ROTH IRA. If you need to roll over a ROTH IRA, it will have to be into another ROTH IRA.
While the Solo 401k has a ROTH component to it, the IRS does not allow funds from a ROTH IRA to be rolled over into the ROTH Solo 401k. The ROTH component allows you to make contributions to that ROTH component, rollover funds from another ROTH 401k, or convert your pre-tax portion of the Solo 401k into ROTH.