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Roth 401k Forum
Discuss the new Roth 401k now available as of January 1, 2006
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roth401k Site Admin
Joined: 25 Apr 2005 Posts: 182
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Posted: Sun May 22, 2005 5:34 am Post subject: Coming Soon . . . The Roth 401(k) - 2/24/2005 |
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This article was originally published on April 11, 2005 in Pension & Benefits Week. © 2005 by RIA.
Coming Soon . . . The Roth 401(k)
By David N. Levine
The 401(k) plan is the most popular type of employer-sponsored retirement plan.
The Bush administration has proposed replacing the myriad of individual account retirement plans – 401(k)s, 403(b)s, and 457(b)s – with a single type of individual savings account – the employer retirement savings account. The ERSA would be an after-tax, Roth IRA-style account, where participants could elect to contribute up to $15,000 year on an after-tax basis. All contributions would grow with earnings and could be distributed at a later date without being subject to any further federal income tax.
However, what is often overlooked is that the tax Code is already scheduled to provide an ERSA-style account as of January 1, 2006. This January 1, 2006, account is the Roth 401(k) account.2
Part I: The Benefits of a Roth 401(k)
Ever since ........
http://www.groom.com/files/articles/131.pdf |
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