I want to do in-service roll-over from my "traditional after-tax 401k" employer savings plan to my "Roth IRA" (both accounts are administered by the same investment company). Would this be treated the same as a rollover from a traditional IRA to a Roth IRA (that is, that the amount of the rollover that would be tax-free would be based on the ratio of after-tax and pre-tax money in the 401k), or would it be tax-free (except for any earnings on after-tax contributions that haven't been taxed yet)? Thank you.