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Question for folks-saving pre tax or after tax

November 9th, 2015 at 02:59 pm

Hi guys

I invest in a ROTH IRA right now (to the max I can) but there is a ROTH 401k option at work (have $ withdrawn AFTER tax). What do you guys think on that

General question is what are everyones thoughts of investing pre vs post tax.. I know it has to do with taxes in retirement . if we expect them to be high or low

If you invest POST tax can you withdraw at any time (like in a ROTH 401k) or still have to wait for the age limits

Thanks

Rachael

Posted in Musings | 2 Comments »

2 Responses to “Question for folks-saving pre tax or after tax”

  1. livingalmostlarge Says:
    November 9th, 2015 at 04:41 pm 1447087281
    1447087281

    I don't think you can withdraw it like a regular Roth IRA. It's more like a 401k for rules. Depending on your income is it worth paying for a Roth 401k?

  2. Petunia 100 Says:
    November 9th, 2015 at 06:34 pm 1447094060
    1447094060

    Which is better for you? It's a simple question to answer when one's finances are simple. But your finances have a lot of moving parts, Rachael. Smile Who does your taxes? If you are paying someone to do your taxes, they should be willing to take the time to run some scenarios for you.

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