The Frugal Fiduciary Blog

Roth 401k Deferrals — Answers to Common Questions

Posted by Eric Droblyen on Jan 25, 2017

In a 2016 401k plan design study of 2,767 small businesses, we found 66% permit participants to make after-tax Roth deferrals to their personal account. I think it’s safe to assume the high adoption rate of this 401k plan feature is due to participant demand.

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Topics: Roth 401k, Retirement Planning, Plan Design

What’s Old Is New Again: “Mega Back Door” Roth IRA Contributions Spark New Interest in Old School After-Tax Contributions

Posted by Holly Roussel-Godfrey on May 24, 2016

Ever hear of voluntary 401k contributions? If you are like most people, probably not. They are after-tax employee contributions like Roth deferrals, but subject to different ERISA rules. Voluntary contributions have been around decades longer than Roth deferrals, but are less popular – mostly because their earnings can’t be withdrawn tax-free at retirement like Roth deferrals.

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Topics: Roth 401k, Plan Design

Reforming Roth provisions may be key to improving savings rates for Millennials. My proposal.

Posted by Greg Carpenter on Nov 20, 2014

Roth 401k & Millennials
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Topics: Roth 401k, Thought Leadership

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