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Roth 401k General Discussion
Discuss the new Roth 401k availabe as of January 1, 2006.
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Mon Oct 08, 2007 8:26 am foxster |
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Roth 401k News, Articles, and Information
News, Articles, and Information about the Roth 401k from all over the Internet.
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An Introduction to the Roth 401k
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Retirement done right. Or is it? You can pay now and save later with a Roth 401k. The new Roth 401k retirement plan is basically a traditional 401k that is not bound by income thresholds, and is supplemented with the Roth IRA benefit of tax-free growth and withdrawals.
Roth 401k plans are now effective as of January 1, 2006, and will allow you to contribute after-tax earnings into an employer 401k. The contributions you make will grow tax-free, forever. When you make withdrawals from a Roth 401k, you will owe no tax. None.
Roth 401k plans are now permanent.
Employees will be able to contribute after-tax dollars to the Roth 401k. The money will be held in a separate account from contributions to your regular 401k. You decide what percentage of your retirement plan contributions go to either account.
You'll be able to make the maximum contribution allowable under 401k rules. The 2006 401k contribution limits allow employees less than age 50 to sock away up to $15,000 -- $20,000 for employees age 50 or older.
For those who want to save after-tax money, this is a much quicker route than saving in the Roth IRA, which has contribution limits of $4,000 for those less than age 50 and $5,000 for those age 50 and above in 2006. If you have a Roth IRA, or plan to open one, you can still contribute the maximum allowable to that account in addition to your Roth 401k contributions.
If your company provides a matching contribution, it will be pretax money and will go only into the regular 401k account.
The Roth 401k is open to all employees who qualify for the regular 401k. This is a boon to higher-paid employees who may be excluded from having a Roth IRA account because of its income limitations.
Contributions are irrevocable. Once the money goes into the account, it falls under all of the IRS rules and penalties for 401k accounts; you can't change your mind and have it switched over to your regular 401k.
Money can be withdrawn tax- and penalty-free as long as you're at least age 59½ and have held the account for at least five years.
The Roth 401k has the same distribution requirements as the 401k. You'll need to begin taking minimum distributions by the time you reach age 70½. This contrasts with the Roth IRA, which has no distribution requirements.
You can roll over your Roth 401k contributions to a Roth IRA when you retire or if your employment is terminated.
Section 403b Plans are eligible. While the new law specifically refers to 401k plans, 403b plans are also a go.
Is a Roth 401k right for your retirement? You make the choice.
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| Roth 401k News, Articles, and Information |
Workers offered Roth 401(k)s slowly February 26, 2006
Roth 401(k)s could catch on February 23, 2006
Another Retirement Savings Option: Roth 401(k) Plan February 22, 2006
Is the new Roth 401(k) option right for you? January 30, 2006
Smart use of Roth 401(k) can boost nest January 30, 2006
Contributions to and Distributions from Roth 401(k) January 26, 2006
Roth 401K Roadmap For Employers January 25, 2006
Employers dragging their feet on Roth 401(k) January 20, 2006
Roth 401(k) not TSP option January 17, 2006
Roth 401(k) ideal for many saving toward retirement January 16, 2006
New Roth 401(k) struggles for acceptance January 15, 2006
Roth 401k requirements clarified in final regs January 9, 2006
Companies can now offer a Roth 401k option January 3, 2006
New Roth 401k off to a slow start December 28, 2005
Understanding The New Roth 401k Savings Plan December 27, 2005
Roth 401k Offers Tax-Free Bonanza in Retirement December 26, 2005
Another Reason to Consider the Roth 401k December 19, 2005
OppenheimerFunds Adds Roth 401K and Roth 403(B) Options... December 12, 2005
Targeting the right 401k choice for you December 8, 2005
THE TAX ADVISOR: A New Era in Retirement Planning December 7, 2005
Young, married top earners may like Roth 401k October 5, 2005
Roth 401k provides benefits of established plans and more October 2, 2005
New Roth plans are confusing September 25, 2005
401k Plan Participants May Have More Options in 2006 September 22, 2005
Roth 401k plans will allow big contributions September 22, 2005
Fresh Ideas for Retiring Rich September 21, 2005
Is Roth 401k right for you? September 21, 2005
ERISA Expertise Releases Roth 401k Guidebook and Analyzer(SM) September 19, 2005
Come on Down, Roth 401k! September 16, 2005
Is the Roth 401k Right for You? September 13, 2005
Employers Not Rushing Roth 401k Plans September 6, 2005
Roth 401k requires tax forecasting September 3, 2005
New Roth 401k Option Will Be Offered in January August 30, 2005
New Roth 401k requires some tax planning August 30, 2005
Investors, meet Roth 401k August 28, 2005
Meet the new Roth 401k Boston Globe August 28, 2005
Another savings option Roth 401k August 20, 2005
A Super-Charged Roth IRA Roth 401k Fox News August 13, 2005
Roth 401k, Roth IRA, What Is the Difference? August 8, 2005
The Roth 401k, to be introduced Jan. 1, may be the best option yet.... August 7, 2005
Roth IRAs & the Thrift Savings Plan August 2, 2005
On tap: 401k, version 2.0
By Jeanne Sahadi, CNN/Money senior writer July 22, 2005
New Roth 401k plan is a real opportunity
contracostatimes.com July 18, 2005
Coming January 2006 - Your 401k With a Roth Twist BedelFinancial.com July 18, 2005
Does A Roth 401k Fit Your Future? Businessweek Online July 18, 2005
Roth 401ks: Not just for the rich BenefitNews.com July 17, 2005
Roth 401k Plans - A New Way to Save Kiplinger.com July 11, 2005
Roth 401ks will allow companies to add tax-advantaged choice July 11, 2005
Roth 401k will be available July 11, 2005
Uncle Sam to launch new Roth 401k July 04, 2005
Ask employer to provide a Roth 401k June 25, 2005
Roth 401k, More Flexible...... June 23, 2005
Speak up about interest in Roth 401k - June 19, 2005
The Roth 401k: "A Hidden Wealth-Transfer Treasure for High Income Taxpayers" June 13
Money and You Roth 401k Copley News Service
June 13, 2005
Man's new best friend could be Roth 401k
Chicago Sun-Times June 13, 2005
Introducing the Roth 401k SmartMoney.com June 09, 2005
It's worth it to learn all you can about IRA accounts Roth 401k June 05, 2005
Americans and saving: What will it take to get us to save enough for retirement? May 29, 2005
Roth 401k: a new way to grow money tax-free Bankrate.com May 20, 2005
The New Roth 401k Is Here
Motley Fool May 13, 2005
Beat the Drums if you want a
Roth 401k Washington Post May 8, 2005
Roth 401k Regulations
Proposed Chicago Consulting Actuaries April 13, 2005
Coming Soon . . . The Roth 401k
Pension & Benefits Week April 11, 2005
Q&A with Natalie Choate: Roth
IRAs and the New Roth 401k Morningstar.com April 8, 2005
New Roth 401k's offer interest
and challenges starting in 2006 Business Journal April 8, 2005
Get the jump on Roth 401k
plans www.newsobserver.com April 3, 2005
Employer-Sponsored Roth 401k's
Available in 2006 KD Benefits Inc. April 1, 2005
Roth 401k's offer another
retirement investment option Employee Benefit News April 1, 2005
Tax-Deferred Plans Offer New
Option for 2006 Roth 401k The Singer Group April 2005
The Upcoming 401k Dilemma Roth 401k
Smith Moore Law March 31, 2005
New Roth 401k Adds to
Workers' Investment Options AccountingWEB.com March 29, 2005
Roth 401k added to menu of
retirement savings Dallas News March 28, 2005
Roth 401k may be boon to
savers with high incomes Chicago Tribune March 20, 2005
401k takes tax cues from Roth
accounts AZCentral.com March 20, 2005
Forum Discussion on Proposed
Roth 401k Regulations Washington, DC March 17, 2005
Putting a Roth spin on the
traditional 401k The Baltimore Sun March 13, 2005
New type of Roth accounts Roth 401k San
Fransisco Chronicle March 3, 2005
Roth 401k Proposed Rules Faegre.com March 2, 2005
Retirement Plans: Roth 401k Kiplinger Tax Letter March 2005
Should you add a Roth Provision
to your 401k Plan? Benefits Infosource March, 2005
Should Your 401k Plan Allow
After-Tax Employee Contributors March, 2005
Is your Company Really Looking
Out for You? Suze Orman Blog February 15, 2005
Roth 401k Accounts Offer
Retirement Alternative By Smita Madhur February 14, 2005
The Roth 401k/403(b) A
Great Planning Opportunity Plante Moran January 2005
Plan would allow Roth-type
401k's USA TODAY February 5, 2003
401K Pension Tax Breaks:
Boondoggle... by Nathan Newman May 15, 2002
Getting most from tax cut takes
work USA Today June 8, 2001
Retirement Savings Opportunity
Act of 1999 Washington, DC, March 31, 1999
Senator Roth Introduces IRA And
401k Expansion Bill Washington, DC March 22, 1999
Roth 401k: New twist By Allison Dembeck Ceridian Corporation
New Roth 401k's
Implementing the Roth 401k moneycentral.msn.com By Liz Pulliam Weston
Dramatic Improvements.... Roth 401k Roth IRA Advisor
Roth pensions at work Roth 401k by George
Taylor
Frenzy of Interest Expected in
Designated Roth 401k Plans BRUNER-COX
Option to Offer Roth 401k
Accounts Available to Employers Beginning in 2006 Hewitt
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411 on 401(k) GovExec.com The board will publish details about implementing the upcoming Roth 401(k) option to the Thrift Savings Plan, which allows employees to invest income that already has been taxed. The new Roth TSP component will invest an employee's after-tax earnings ...
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Tri State Defender Young professionals can use these tips for planning financial success Tri State Defender Start retirement planning with your first job: If the company or organization you work for offers a retirement plan (401(k), Roth 401(k), 403(b)), sign up at your first chance. Utilize Individual Retirement Accounts (IRAs), Roth IRAs, ...
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12 Smart Savings Tips that Yield Return in 2012 Fox Business If your employer offers a Roth 401(k), your contributions are made with after-tax dollars, but withdrawals in retirement will not be dinged by taxes, allowing you to keep your entire nest egg. For more information, see the retirement channel at ...
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Perkins Coie | Quarterly Investment Update ? 4th Quarter 2011 Trust ... Linex Legal (press release) (registration) Tax diversification through contributions to a Roth 401(k) or a partial or full conversion of traditional IRA assets to a Roth IRA may also be considerations. Update your estate plan. 2012 is a good year to refresh estate planning documents.
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????? ??????? ???? ??Roth 401(k)?Roth IRA??????????????????????????????????????????????????????????????????????401(k)?IRA???????Roth????????10????????2010???? 5.
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One question that came up over and over was how to decide between tax-deferred savings (IRA, 401(k), SEP) or tax-advantaged savings (Roth 401(k)/Roth IRA). Or why save in a retirement account at all, ...
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Advisers say there?s an ideal age range for investors to protect themselves by moving money into taxable and tax-free accounts.
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My 401(k) is managed by a brokerage firm that was busted by the SEC for fraudulent practices (although those practices weren't related to my 401(k) plan). Still, I don't want to invest my money with, or ...
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My 401(k) is managed by a brokerage firm that was busted by the SEC for fraudulent practices (although those practices weren't related to my 401(k) plan). Still, I don't want to invest my money with, or pay fees to, to a firm I consider unethical. For now, I've switched all of my money into the bond account figuring it's the safest place to invest until I can figure out what to do. But I'd ...
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*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.
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*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.
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If you want to open up a Roth IRA but you earn too much, there's a two-step way to do it.
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If you want to open up a Roth IRA but earn too much, there's a two-step way to do it.
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Readers resolve to shape up their investments while also taking time for fitness and enjoying the good life.
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QUESTION: My company is making a Roth feature available in our 401(k). Is this something I should do? ANSWER: It is certainly worth considering.
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Tired of the slippery stock market, many people have added alternative funds to their portfolios. Here are 25 of the best.
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Even with the broad housing market still in a funk, some investors are putting cash back into real estate.
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Hough: Investors with an appetite for risk might want to drill deeper into the oil sector to find smaller firms sitting on U.S. oil-shale riches.
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To preserve the environment tourists flock to see, some eco-destinations are tightening rules and raising prices. Our guide to getting back to nature.
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Video: Big banks, looking for new revenue sources, are moving to out-Groupon Groupon.
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Arends: Global bond funds are taking needless risks, but a new set of indexes unveiled today aim to fix the problem.
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Hoenig: The way many investors categorize their portfolio positions needs rethinking.
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Hough: When companies buy back stock, it's not always a buy signal for investors. Here's how to tell which purchases matter.
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Since 2006, the S&P 500 is down 13%. These picks have done much better.
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Industry experts say a recent Supreme Court ruling threatens some hard-fought consumer protections.
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Here is a translation of the Federal Reserve's surprise rate policy statement.
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Big changes could be underway for China?s currency this year, as Beijing moves forward with plans to free up its forex rules and increase the use of the yuan in its trade with the world.
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If you?ve been planning to ditch your subscription to a pay-television service, and stream or download your favorite programs to your TV from the Internet, it could work, especially if you don?t watch that much.
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Robert Powell writes about the state of retirement in America. He?s interviewed many experts in the field and they say, in short: Things are bad, and in the absence of action or in the presence of ill-advised action, could get much worse.
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New rules may trip up investors come tax time, according to Brian Keil, director of cost basis and tax reporting at Charles Schwab, who tells MarketWatch's Andrea Coombes that it's more important than ever to plan ahead before selling stocks and mutual funds.
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Rates on the 30-year fixed-rate mortgage jump this week, after data showed improvement in the housing market, according to Freddie Mac?s weekly survey of conforming mortgage rates, released on Thursday.
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Most taxpayers claim the standard deduction, but if ever there was a time to make the most of valuable tax deductions and credits, it might be now, before they disappear.
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Rep. Barney Frank (D-Mass.) announced happy news today: The 71-year-old Congressman plans to marry his longtime partner, Jim Ready, 42. A Massachusetts wedding is planned, although the date has not been set. Frank will retire from the House at the end of this term, leaving them more time to spend together.
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Manufacturer says premature monetary tightening is chief risk to bullish economic outlook.
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It's almost February and many of us have already let our new year resolutions fall by the wayside. Luckily, there's still time to get your investing smarts on track for 2012.
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The following post was published on http://knowledge.wharton.upenn.edu on January 18, 2012.
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By Michael McMillan, Ph.D., CPA, CFA
Director, Ethics and Professional Standards
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Image by AFP via @daylife The Fed is back at it with its Robin Hood interest rates. It?s transferring wealth from old people to young people. For the next three years (at least), the Federal Reserve will artificially maintain overnight interest rates at 0% or close to it. Inflation is going to
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This story appears in Money & Investments section of the Feb. 13 issue of Forbes Magazine.
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This article appears in the Feb. 13 issue of Forbes magazine. For a lengthier report, click here.
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When ING DIRECT?s ShareBuilder 401k launched one of industry?s first (if not the first) ?All-Exchange Traded Fund (ETF)? 401(k) plans back in late 2005, a lot of folks in the investment community panned the idea. At the time, and even now, actively-managed mutual funds were widely promoted by the traditional players in the industry as the preferred investments for retirement plans and ETFs were virtually non-existent.
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Financials reflect feeling that every little thing is gonna be all right.
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Reuters says criminal charges are likely "within weeks" against Chevron Corp. and some of its managers for a November oil spill off Brazil.
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Traits touted by Chinese astrology are good to consider as you plan to grow your business in 2012.
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A federal judge on Thursday said she won't delay an order in a 12-year-old lawsuit against the tobacco industry.
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SOPA and PIPA were 'badly designed' and technologically incompetent,' Jimmy Wales said.
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Given the general dissatisfaction of the investing public, you'd think that stock ownership would have fallen markedly in the U.S. since the tech bubble burst in 2001 and was followed by waves of corporate scandal. Not so, according to two...
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I spoke recently with George Schwartz, portfolio manager of the Ave Maria Fund, a stock fund that invests according to Catholic values (which basically means it avoids companies which have anything to do with abortion or pornography, or that provides...
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The intersection of healthcare and technology has been a hot area for entrepreneurs and investors for years. Now we're getting some much needed improvements where finance, health insurance and technology meet. I spoke recently with Bruce Weitzberg, the chief operating...
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I just listened in on a year-end tax planning conference call featuring three financial planners that are part of Zero Alpha Group. They identified these four common pitfalls of investors this time of year: - Blowing your bonus - Giving...
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San Diego Investment adviser Brent Wilsey has come up with a list of companies that have low debt, but above-average earnings growth. He clarifies that this is "real" growth, meaning that it doesn't come from asset sales, accounting changes or...
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It is depressing, but hardly surprising to see that nursing home costs continue to rise -- up more than 5% this year. Here's some more data to ponder as you try to save something for retirement. According to a recent...
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Tom Brown, a leading bank analyst and hedge fund manager, just called for such a move on his web site, bankstocks.com. (See, "The Citi is Sleeping: Break it Up!") Sorry Sandy (Weill, that is). Weill was the mastermind behind the...
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Wondering why stocks are sliding in reaction to the Federal Reserve's decision to raise rates another quarter point? It's because the Fed says it will maintain its policy of "measured" rate hikes into the future. (Here's a link to the...
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This press release popped up in my mailbox today and it looks like a great option for people who want to give money to Katrina, but don't want their contribution to be lost in the billions the government, relief agencies,...
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ING Direct operates a fun site designed to teach kids about money called Planet Orange . A lot of the content isn't exactly rocket science -- for example, it will take Ashley three months to save enough for a $100...
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Starting Sept. 15, investors will be able to invest in three new baskets of dividend-paying companies. The three new PowerShares ?Dividend Achievers? Portfolios, which will trade on the AMEX, are exchange traded funds (ETF) based on the Mergent Dividend Achievers...
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Duffers take note: Nationwide Financial and Golf Digest have conducted a study of golfers' financial savvy that has some amusing findings. Their survey found: - While 94% of golfers know what areas of their golf game need improvement, only 45%...
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I'm back from a week's vacation, where I spent much of the time glued to CNN watching Katrina's devestation of the Gulf Coast. Today several stories caught my eye reporting on new Katrina-related scams. Here's one from MSNBC about stock-touting...
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Now that so many traditional stock brokers charge an annual fee based on assets under management for their services (rather than a commission on stock or mutual fund trades), a lot of them are deciding to go it alone. All...
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Penny Stock trading can be a rewarding activity. Before you start, consider these three pitfalls then most importantly pick a recommended broker.
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There are many good reasons to consider refinancing your home mortgage loan. Consider our top 5.
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Bad credit secured loans aim to allow you to erase your credit history and start anew. It is best to consult with bankruptcy attorneys or a financial advisor before taking on a loan that requires a home or vehicle as collateral. A Chapter 7 bankruptcy timeline will provide more insight into the process.
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Is there such a thing as a cheap, secured, low rate loan?
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How do you go about comparing personal loans? Are they all much the same, aside from the interest rate? Or is there more to the loan comparison than that?
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Need a personal loan and need it quickly? Two types of personal loans are secured and unsecured, or quick personal loans.
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There has never been an easier time to take out a home mortgage loan. With the introduction of online mortgage lenders and the availability of mortgage information sites, homeowners now have the upper hand when it comes time to choose a lender.
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For many years I’ve systematically advocated that people assume active management of their own finances, rather than leave that chore in the hands of others. And for as many years, a fair number of individuals have done exactly that, leaving me gratified that some of what I say does not fall on deaf ears.
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Clefts are a major problem in developing countries, where millions of children suffer with unrepaired clefts. These children cannot eat or speak properly, and aren't allowed to attend school or hold a job.
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Donate Your Change At A Coinstar® Center in Participating Supermarkets and Make a Big Change In Babies' Health
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As newspapers and real estate gurus tell us everyday, the housing bubble has deflated some as 2006 draws to a close (if not burst completely in some areas of the country). This has created a "buyer's market", where there is an over-supply of homes for sale, and because of that, prices are often below market value.
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I never thought I would be able to buy a home. I groused about my poor credit scores and bemoaned all of the poor financial decisions I had made in my college years. Our employment "titles" as writers and artists wasn't going to get us very far, we thought, with banks.
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The American dream of homeownership, cheap mortgage money (bigger is better), and relaxed lending criteria has kept our economy chugging along. Everywhere you look there are programs and seminars for "first time" homeowners or "low income" buyers offered by housing organizations, real estate brokers, mortgage brokers, lawyers, and insurance providers. They all tout the move from tenancy to homeownership and in some cases will subsidize the cost that can help you buy, build, or rehabilitate a home.
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Mortgage rates can greatly affect the amount of house that you can afford. Whether you are talking about over the life of the loan, or the amount of your monthly payment, mortgage rates can make or break your ability to purchase.
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There are a variety of reasons why you may be considering debt consolidation. With the average American carrying at least some credit card debt, and often possessing up to eight credit cards in his or her wallet, it is easy to understand how credit card debt has grown out of control.
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