Choosing between Roth and pre-tax contributions for retirement savings depends on how each impacts your taxes now and in retirement. Roth contributions are made with after-tax dollars, so both ...

Roth conversions are widely considered financially advantageous. Financial advisors often recommend them, and online ...

One of the most common retirement questions is whether to save money in a Roth account or a pre-tax account. Most people hear it framed as a timing decision: pay taxes now or pay them later. That’s ...

Is it better to make after-tax Roth 401(k) contributions or save before-tax in a traditional 401(k)? The answer varies depending on the taxpayer. While individuals with higher incomes might not ...

Some 86% of retirement plans, such as 401(k)s, offered Roth contributions in 2024, but only 18% of investors with the option participated, according to a Vanguard report. Roth contributions are ...

Carol explained that she had rolled a 401(k) from a former job into a traditional IRA. Later, she began contributing to that IRA with after-tax money — without realizing that, unlike a Roth IRA, she ...

Many high-income taxpayers are already fully taking advantage of a company-sponsored 401(k) plan by maximizing their annual pre-tax contributions. For taxpayers over age 50, that includes taking ...

Non-deductible IRA contributions can cause major headaches. Learn how a reverse rollover can avoid the pro-rata rule, ...