Originally Posted by
MTSUFlyer
An important note about “UPS/IPA MPP” fund, which is also called an ATTD-After Tax, Tax Deferred, is that even though it’s after-tax dollars, like a ROTH, the earnings are taxed, unlike a ROTH. Fortunately, our plan with Fidelity allows for in-service conversion. You can take contributions and earnings made to the ATTD and roll over into a traditional IRA, then convert into a ROTH IRA (similar to a back door ROTH).
Fidelity has been letting me roll mine right into a Roth without a stopover in a traditional. This is the 3900ish amount. I don't know anything about an additional 5%.