We have options to start contributing to a Roth this year. I was contributing 8% to my regular 403b in order to maximize matching, we cap out at 8% with the match and then "free" contributions. With the match I am getting 14% of my salary into my account. I just threw an extra 2% into the Roth for now, I could go more, its all going in a low cost vangaurd S&P500 index fund in a Fidelity account. I am just simply not interested in keeping up with it enough to try to beat the market, but I was wondering if this is an acceptable Roth vehicle or if I should get off my arse and get an Roth IRA or something similar.

I have my high risk investments in things I can more closely control and we are opening a new biotech lab I will have full control over so this is just safe money for me from my corporate job.

My plan for the Roth is first to access in early retirement, and then post 65 or whatever the retirement age is to supplement tax deferred payments with pre taxed payments to pay the lowest taxes possible over time.

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Posted by FortunateSon

Tennessee

Member since Apr 2024

98 posts

Posted on 12/22/25 at 9:41 am to armsdealer

I am not an expert by any means, but there are quite a few benefits to using Roth accounts that you may be missing. Since the Roth grows tax free, many people use it later in retirement. Subsequently, they have it invested aggressively well into retirement. Obviously, you can use Roth to avoid some taxes in early retirement, but if your traditional retirement plan is growing during that time, you may just be kicking the tax can down the road.

As far as it being an "acceptable Roth vehicle", if the investments available are adequate for you, then it should be fine.

Like I said earlier, I'm no expert, so hopefully others will help with your question.

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