Questions tagged [roth-401k]
A specific retirement plan in US. Related US specific retirement plan tags "Roth IRA" and "401K"
194 questions
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Rule of 55 with a 401(k) plan with mixed Roth and 401k contributions
In my current employer's 401(k) plan, I began with traditional 401k deferred taxation contributions. A few years ago realizing how much deferred taxes I was building up (and with a change where ...
- 8,469
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2
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785
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Should I lower my post-tax or pre-tax contributions to my 401k?
I am currently contributing 15% post-tax (Roth) and 15% pre-tax (traditional) of my pay to my 401k. My company contributes a 4% base amount and matches up to 6% (for a total of 10% if you contribute 6%...
- 153
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3
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433
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In the US, everything in the Roth IRA or Roth 401k will be tax free for life?
I was looking at the situation if an account has $500k of SCHD. It can fetch about $17k of dividend per year.
So it led me to think, if I have 3 times of that, it'd mean I can get about $51k dividend ...
- 1,391
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What are the implications of investing in a 401k as a non-US citizen who may eventually leave the country?
I have a question about 401k distributions for non citizens. If I understand that the 401k allows us to contribute money pretax, Roth, and after tax (the latter 2 being after tax). For a non US ...
- 163
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2
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452
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Roth IRA / 401K - Short Term Capital Gains?
In traditional brokerage accounts, selling a security for a profit results in a short term or a long term capital gain - which results in different tax rates.
For Roth IRAs and 401Ks, will there ever ...
- 853
4
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1
answer
681
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Aftertax Contributions - Max Roth 401K Amount?
I contribute the yearly max ($23.5k) to my pretax 401k account. I recently setup after tax contributions through the same employer retirement plan. The after tax contributions are immediately ...
- 853
4
votes
1
answer
343
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W4 for maximing Roth 401(k) in a side job
Most of my income doesn't come with withheld taxes, so I pay quarterly estimated taxes -making sure I fall within safe harbor provisions, as total income is somewhat unpredictable. I've ended up with ...
- 182
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401k Roth rollover to Roth IRA is being considered a taxable event
I’ve been researching online and believe the 1099-R I received may be incorrect. However, I’ve come across some conflicting answers, so I wanted to ask here to get your thoughts. To give you some ...
- 101
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Is earnings determination on early withdrawals really this different between Roth IRAs and Roth 401(k)s?
Roth 401(k)s and Roth IRAs are very similar -- they are both retirement accounts funded with after-tax dollars and if you make an early withdrawal, you face a 10% penalty on top of the regular tax ...
- 733
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1
answer
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Rollover former employe's 401k after backdoor Roth IRA conversion?
I am no longer at my former employer but I have an existing 401k plan with Vanguard through them.
30% of the contributions were pre-tax. (traditional 401k)
70% of the contributions were post-tax. (...
- 693
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Move money from former employer's 401k to Roth IRA and Rollover IRA
I am no longer at my former employer but I have an existing 401k plan with Vanguard through them.
30% of the contributions were pre-tax. (traditional 401k)
70% of the contributions were post-tax. (...
- 693
0
votes
2
answers
139
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Is it possible to undo Roth 401k contributions, not ROE, but have it returned?
I contributed around 10k to my Roth 401k in 2023, but I need the money due to my personal situation quite immediately (2-4 weeks). Is there any mechanism of undoing my contribution and getting the ...
- 133
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8k
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Roth 401k - Contributions are not going in as after tax?
So, I have a Roth 401k with my employer.
I always thought that the Roth meant that I am contributing after-tax dollars into the account.
I just realized the following:
For simplicity, let's assume:
I ...
- 693
2
votes
1
answer
392
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Yearly 401k Contribution Limit Question
December 22 is the day of my last paycheck for the year. I'm trying to contribute the maximum allowed by the IRS for the year. Since this is the last paycheck I'll get for the year, would that be ...
- 1,769
0
votes
1
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182
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Converting some Pre-Tax 401k Contributions to Roth Contributions
Is it possible to convert some Pre-Tax 401k contributions to Roth contributions each year? Since I would have to pay taxes on the amount converted I wouldn't be able to do it all at one time.
- 1,769