Roth 403(B) 'mixed' Account in 403(b) Forum Posted April 27, 2012 · Report reply Many 403(b) platform providers have this odd "invest all your asset types as if they were commingled" policy due to their systems and/or technology platforms not being up to the task of recordkeeping these accounts separately. It sounds like it should be an easy fix, but many of these recordkeepers are finding they have other places to spend their $. They are not violating any IRS or DOL mandates, because by your description, your Roth money is still being treated as Roth, and Traditional as Traditional. You simply are not being provided the option to maintain distinct asset allocations for the different source IDs. Vince This mixed account does not allow the investor to accumulate as much or as little as he/she would like in the traditional 403(b) account and the Roth feature. To me this is a violation of the IRS rule that states a designated Roth account must be maintained. Joel, I guess I don't understand how they wouldn't be able to accumulate as much. If you max is 17k you can't go over it any way. I'm referring to the investor's desire to use the Roth for equity trades so that over time these profits, when withdrawn, will not be taxable. He is not being allowed to do this because of the pre-determined ratio of Traditional dollars to Roth dollars in a single account. Joel I've got you. My wife's account operates this way but it does allow to specify which source of money for each investment.