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    @Dilip, RMD rules for 401k are regardless of whether its Roth or not. See the FAQ on irs.gov: irs.gov/Retirement-Plans/… Commented Jan 16, 2013 at 22:54
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    @littleadv Thanks for the link where I learned something I didn't know before. So unless the employment is continuing past age 70.5 or something else prevents it, it seems that it would be best to roll over the Traditional and Roth portions of the 401k into Traditional and Roth IRAs respectively and thus gain more flexibility. Commented Jan 16, 2013 at 22:59
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    @Dilip yes, that is my conclusion. 401k has some benefits (for example, better protected against creditors), but when you reach the age you have to consider the rollover (if you have a Roth portion). Commented Jan 16, 2013 at 23:04
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    @littleadv So I guess the next question should be if a rollover of only the Roth portion can be done (leaving the traditional 401k safer from creditors if that is an issue) or is all money leaving the 401k apportioned amongst the Traditional and Roth portions regardless of whether it is a distribution or a rollover? At least one plan that I know of allowed separate rollovers of the different parts. Commented Jan 16, 2013 at 23:11
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    Nope, the match goes into the traditional side regardless of which account employee was depositing to. Now, the latest rules springing from the cliff, included the ability to convert from Trad 401(k) to Roth, so if you wish to convert on a regular basis, that's fine, just brace for the tax bill or account for it in regular withholdings. Commented Jan 17, 2013 at 3:47