Roth 401k

Wayfair eJSH58
6d 10 Comments

What's your take on traditional 401ks vs. Roth 401ks? What do you have? It seems like Roth 401ks have been gaining popularity.

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TOP 10 Comments
  • Expedia / Eng vacations
    It's dumb, just buy bitcoin
    6d 0
  • Cisco yya
    When you max out 401K - can you put money in Roth?
    6d 4
    • VMware / Eng Codeyard
      I think, total $18k limit is a combination of Roth + 401k
      6d
    • Cisco yya
      So does it mean - put 12K in 401k and 6k in Roth? And what is advantage of doing Roth?
      6d
    • Amazon motard
      Roth IRAs/401k are an investment vehicle where you pay into it with your after tax income, which then grows tax free.

      The difference between this and a traditional is that in a traditional IRA/401k, you pay into with pre-tax dollars and is then taxed as you withdraw from it. Which is better largely depends on whether you think taxes will increase or decrease relative to the rate of capital growth and the time value of money. Personally, especially given that our income taxes were reduced with the new tax plan, I'd personally go with a Roth
      6d
  • Amazon motard
    I have always preferred a Roth, and honestly, love him or hate him, a Roth while Trump is in the White House is a good idea - with lower income taxes, more money will go into your 401k and will grow tax free from then on.
    6d 0
  • Qualcomm / Eng dynasty001
    Why not both. I have 401k, Roth 401k, Roth IRA as well.
    6d 0
  • eBay / Eng
    Ragnaro

    eBay Eng

    PRE
    IBM
    Ragnaromore
    If u make over threshold for Roth put the min 6k u can a year and do backdoor roth
    6d 1
    • LinkedIn moooooooo
      Roth 401k is not the same as a Roth IRA. Google "mega backdoor Roth"
      6d