When Can You Withdraw From Your Roth 401K? 
Age 59 1/2 or 5 years after first contributions are made , whichever is longer . The alternative to any Roth IRA or Roth 401 -LRB- k -RRB- is cash value whole life insurance policies . Unlimited contributions , guaranteed growth , 100 % principal protection and guaranteed tax free death benefit . Just because your employer offers a 401 -LRB- k -RRB- program does not mean you need to participate . If you do n't get a big enough match to off-set the liquidity and cash flow , I would n't do it . 