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Financial Planning Checklist: Should I Contribute to My Roth 401k?

December 13, 2022 by Marc Bautis

This guide shows you the key differences between a Roth 401k and a Roth IRA, as well as the difference between a Roth 401k and traditional pre-tax 401k contributions, which will help you answer the question: Should I contribute to my Roth 401k?

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Roth 401ks have become an increasingly popular alternative to traditional 401ks, allowing participants to make after-tax salary deferrals to their employer plans. You may have the opportunity to contribute to a designated Roth account in your 401k, but are uncertain about the best savings strategy for your personal circumstances.

This flowchart helps guide you through a series of considerations that will inform your decision whether to contribute to a Roth 401k, and covers:

  • Future tax rate expectations.
  • Roth IRA eligibility.
  • Employer matching considerations.
  • RMDs and future rollover options.
  • Additional savings opportunities through backdoor Roth contributions.
Download the Checklist
Category: Personal Finance, VideosTag: 401k Plan, Financial Planning Checklists, Retirement Accounts, Retirement Planning, Roth 401k
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