After-tax 401(k)的税务规则类似于高收入人士的traditional IRA,存入税后收入,取出时盈利部分还要再缴收入税,因此其本身并非省税利器。但正如高收入人士的traditional IRA是backdoor Roth的中转工具,after-tax 401(k)是一种叫mega backdoor Roth操作的中转工具。相比backdoor Roth每年数千的额度,me...
Specifically, the potential use of after-tax 401(k) contributions during employment to create a Roth IRA conversion strategy at the time of separation is compared to a more traditional retirement savings strategy of solely utilizing pretax deferrals. Through the use of tax and growth rate ...
Pre-tax and Roth (after-tax) contributions are two different types of contributions that can be made to retirement accounts such as 401(k)s and IRAs.Pre-tax Contributions: Pre-tax contributions are made with money that has not yet been taxed. The money is taken out of your paycheck ...
“In some cases, it’s possible to make after-tax 401(k) contributions beyond and outside of your pre-tax and/or Roth 401(k) contributions and employer match,” says David Britton, Senior Wealth Planner with U.S. Bank Private Wealth Management. “These contributions can be an opportunity...
The meaning of AFTER-TAX is remaining after payment of taxes and especially of income tax. How to use after-tax in a sentence.
After-tax contribution refers to the monetary contribution made to retirement systems after deducting taxes from the individual’s or corporation’s taxable income. In the U.S., there are two main types of after-tax contributions – the traditional after-tax contribution and the Roth 401(k) aft...
You make an after-tax contribution if you've chosen to participate in a Roth 401(k) or similar tax-free plan rather than a traditional tax-deferred 401(k). However, if you make excess deferrals, any earnings on the after-tax amount accumulate tax deferred. The disadvantage is that figurin...
SHOULD YOU SWITCH TO A ROTH 401(k)? Your company may soon offer you the option.A new retirement plan called the Roth 401(k)lets you put in aftertax dollars now to avoid paying By Deborah L.Ja... DL Jacobs - 《Businessweek》 被引量: 0发表: 2007年 HOW TO HARVEST A RICH 401(k)...
after-tax Financial Related to after-tax:After-tax income,Profit After Tax af·ter-tax (ăf′tər-tăks′) adj. Relating to or being that which remains after payment of taxes, especially of income taxes:after-tax profits. American Heritage® Dictionary of the English Language, Fifth ...
Finally, some 401(k) plans allow contributions of additional aftertax monies for investors who want to set additional assets aside for retirement, above and beyond what they're making in pretax or Roth contributions. The key benefit of such contributions--until recently, that is--is that retir...