The roth-401k tag has no wiki summary.
2
votes
1answer
78 views
401k Option - Lifecycle or S&P Index - what are pros and cons?
When I set up a 401k a few years ago, my options were pretty limited, so I simply went with a lifecycle target retirement date fund (exp ratio of 0.12%). However, I now see I can choose a passively ...
8
votes
1answer
299 views
Should I use a Roth 401K rather than 529 to save for children's college?
First some background:
I'm a new parent and I live in Nevada, a state with no state income tax. I'm 26 and my wife is 29. She's finishing her PhD (to hopefully become a professor) and I'm an ...
4
votes
1answer
119 views
Is it a bad idea to have both pre-tax and Roth money in a 401k?
From reading this article, it seems extremely hard to "separate" the pre-tax and the Roth parts of 401(k)s -- you must always move them together. But moving them together is often not efficient; e.g. ...
2
votes
2answers
289 views
Pre-tax 401k and post-tax Roth 401k contributions commingled into same account? Tax treatment of withdrawals?
My employer recently began offering Roth 401k contributions. I decided to switch my contributions to the Roth 401k, figuring that it is impossible to guess what my tax situation will be in 25 years ...
6
votes
3answers
925 views
Could a 401k or IRA contribution switch my current taxable income to a lower tax bracket? is this the same for traditional and Roth 401k?
In the case that my annual income is right in the limit between one tax bracket and the next tax bracket. Can contributing to a 401k or IRA reduce your present income declaration in such a way that ...
3
votes
4answers
106 views
What is a 401(k) Loan Provision?
I'm considering a few job offers for post-college, and I'm wondering how this (Roth) 401(k) plan stacks up against the average offering:
After one year of service, [Company] will:
...
-1
votes
1answer
198 views
lottery ticket - bought by corporation which is owned by 401k roth. taxes?
okay, so americans might be aware of the huge automatic taxes on lottery winnings
now lets attempt to mitigate this tax using a 401k roth.
As you may be aware, the IRS' ROTH plans are funded with ...
5
votes
2answers
111 views
Which should I prefer, traditional or Roth 401k? [duplicate]
Possible Duplicate:
Recent graduate with new job: Choose Roth 401(k), or traditional 401(k)?
I'm just a few years out of college, and am starting to put aside some retirement savings. My ...
5
votes
1answer
145 views
Do Roth 401(k) and Roth IRA plans share the same annual contribution limit?
I've contributed $2000 to my Roth 401(k) plan through my employer, and $4000 to my Roth IRA plan that is totally separate from my employer. My accountant says that the limit on Roth IRA contributions ...
4
votes
1answer
124 views
Contribute to both a SEP IRA and solo Roth 401(k)?
I am self employed in a business venture. Could I theoretically contribute to a SEP IRA where the maximum contribution is $50,000 and to a Solo Roth 401k where the max contribution is $17,500?
I ...
8
votes
2answers
691 views
If I Use My Roth 401K for a Downpayment for My 1st Home, What Will I Be Taxed On?
I've been making post-tax contributions to my employer's Roth 401K plan for a little over 3 years now, and I'm needing some cash for a downpayment for my first home. Will I be taxed on the full amount ...
7
votes
2answers
210 views
How should I be contributing to my 401(k), traditional or Roth?
My company just started offering an 401k plan in place of a Simple IRA. I am able to contribute into my 401k two different ways, traditional or roth.
From the way I understand it, traditional ...
1
vote
3answers
96 views
Restrictions or impact on Roth IRA when reaching MAGI threshold?
If I started a Roth IRA in 2011, but start contributing to a Roth 401k and reach the MAGI threshold for additional contributions in 2012 to my Roth IRA, will I eventually be able to move my 401k Roth ...
1
vote
2answers
219 views
Is Unvested Money in a 401(k) counted as income?
I left my job during the middle of 2011. I had $5,000 from the company contributed to my Roth 401(k) as part of a profit-sharing plan in March 2011, but only $2,000 was vested.
I am trying to figure ...
7
votes
2answers
146 views
What is the maximum I can have stored in a traditional 401(k) and a Roth 401(k)?
I know there are annual limits to how much can be contributed (both from the employee and from the employer).
But what about over the lifetime of the investment? If I max-out every year (say ...
18
votes
2answers
196 views
Do traditional and Roth 401k have the same annual contribution limit?
According to everything I can find, the annual contribution limit for both traditional and Roth 401k is the same ($16500 in 2010).
Since the Roth is post-tax, doesn't that mean I can save more for ...
6
votes
3answers
277 views
How safe will Roth IRAs/401(k)s be going forward re: US's deteriorating fiscal position?
I've on and off wondered how "safe" Roth accounts are and things like this anti-Roth screed in the LATimes and this blog post at the Atlantic talking about the sad fiscal shape of the US has me ...
5
votes
1answer
501 views
Can I withdraw Roth 401k contributions penalty-free before age 59.5?
I know that with a Roth IRA, contributions can be withdrawn penalty-free at any time. If I rollover a Roth 401k into a Roth IRA, can I do the same with the contributions made to the Roth 401k?
I've ...
8
votes
1answer
682 views
First time home buyer: Can you withdraw funds from a Roth 401k for a first time home purchase?
I have a Roth 401k. Soon I will have enough debts paid off that I would like to start building up a down payment for a house. The house purchase will be my first, and will be over a year from now. ...
5
votes
2answers
824 views
Can you recharacterize a Roth 401(k) contribution?
I understand that you can recharacterize Roth IRA contributions back into traditional IRA contributions by the next April 15, if you change your mind and decide it would make sense. Then you won't owe ...
5
votes
4answers
248 views
Changing jobs: Should I cash out Roth 401(k) or move it to another account type?
I am currently looking at changing jobs from a large corporation to a smallish company. I currently have only about $4k in a Roth 401(k) though my current employer. The smaller company does not offer ...
10
votes
3answers
1k views
Confusion about Roth 401K: Better for me to do pre-tax or Roth post-tax contributions?
My company offers a 401K and a Roth 401K. Given the income level of my family (married filing jointly status), IRAs aren't really an option. We're past the Roth IRA limits and get no deduction for a ...
4
votes
6answers
199 views
What factors should I take into account when deciding how much of my 401(k) contribution should go into my Roth 401(k)?
My employer allows new contributions to my 401(k) to go in as Roth (post-tax) or "regular" (pre-tax). What should I consider when deciding how to distribute my contributions between the two?
7
votes
2answers
248 views
When should I switch from after-tax to pre-tax retirement savings?
I am contributing to my employer's Roth 401(k). The consensus in this question is that when you're young you should make your retirement contributions after-tax so that they grow tax free, and that ...
22
votes
3answers
690 views
Recent graduate with new job: Choose Roth 401(k), or traditional 401(k)?
I just graduated, and I'm starting a new job soon. My employer has pretty good policy for matching 401(k) contributions, so I want to invest as much as possible, especially during this first year.
My ...
