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re: Contribute pretax or after tax 401k?
Posted on 7/14/26 at 11:32 am to gpburdell
Posted on 7/14/26 at 11:32 am to gpburdell
quote:
You can always convert trad 401k to roth
But you will pay taxes on the conversion when it's made and it's best paid with cash so the entire conversion amount can continue to grow. So if you plan for large conversions, keep that in mind.
1
Posted on 7/14/26 at 11:45 am to GCTigahs
quote:
But you will pay taxes on the conversion when it's made and it's best paid with cash so the entire conversion amount can continue to grow. So if you plan for large conversions, keep that in mind.
All true, but if you are still working, you can also change your with holdings at work and pay the taxes that way, then convert a little from Trad to Roth with each check. Lessens the PITA factor. Make sure no fees apply.
Posted on 7/14/26 at 4:24 pm to TorchtheFlyingTiger
Could talk to the person you’ll inherit IRA from about converting now. Of course, there are lots of variables to this.
Posted on 7/14/26 at 5:02 pm to Redstickbaw
quote:The power of compounding on the dollars you don't pay in taxes now makes a huge difference in the final value of your portfolio.
Contribute pretax or after tax 401k?
Posted on 7/15/26 at 4:09 pm to Fat Bastard
quote:
most will tell you max the 401k then if anything left throw it in ROTH IRA/401k.
How do you max a 401k out then contribute to Roth 401k?
Posted on 7/15/26 at 10:59 pm to LSURussian
quote:
The power of compounding on the dollars you don't pay in taxes now makes a huge difference in the final value of your portfolio.
All else equal, the with same rate of compounding and tax rate it doesnt.matter if you pay the tax now or later.
On the other hand, Roth essentially allows you to put a larger net contribution into tax advantaged retirement accounts annually since limits are same but taxes are already paid.
Posted on 7/16/26 at 8:04 am to jp4lsu
quote:
How do you max a 401k out then contribute to Roth 401k?
may have been a typo on my part
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