The Roth 401(k) was established under sweeping tax-reform legislation passed in 2001. It mixed aspects that by now existed in a standard 401(k) with Those people of the Roth IRA. Employers got the choice to implement the Roth 401(k) in 2006. Roth 401(k) accounts are only accessible via your employer. https://en.shivira.com/roth-401k-contribution-limits-vs-roth-ira-contribution-limits/