Roth 401(k) Forum Forum Index Roth 401k Forum
Discuss the new Roth 401k now available as of January 1, 2006




Menu
Roth 401(k) Forum Forum IndexRoth 401k Home Roth 401(k) Forum Forum IndexRoth 401k Feed Roth 401(k) Forum Forum IndexRoth 401k Discuss Roth 401(k) Forum Forum IndexRoth 401k News
FAQRoth 401k FAQ MemberlistRoth 401k Members Roth 401k Search Roth 401k Feedback
RegisterQuick Register ProfileProfile Log in to check your private messagesMessages Roth 401(k) Forum Forum IndexRoth 401k Who's Online Log inLogin/Out
Roth 401(k) Forum Forum Index
 Forum   Topics   Posts   Last Post 
Roth 401k Message Board
No new posts Roth 401k General Discussion
 Discuss the new Roth 401k availabe as of January 1, 2006.
69 137 Mon Oct 08, 2007 8:26 am
foxster
No new posts Roth 401k News, Articles, and Information
 News, Articles, and Information about the Roth 401k from all over the Internet.
 		749 752 Fri Aug 13, 2010 2:00 am
roth401k-articles
Additional Finance Articles and Information
Mark all forums read All times are GMT + 7 Hours
An Introduction to the Roth 401k

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.

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

Welcome Visitor, Please Register or Login
The time now is Wed Sep 08, 2010 8:34 am
 View unanswered posts
In total there are 32 users online :: 0 Registered, 0 Hidden and 32 Guests
Most users ever online was 270 on Mon Aug 13, 2007 10:59 pm :: Our users have posted a total of 30659 articles :: We have 333 registered users :: The newest registered user is foxster

Links
Download Mozilla Firefox || Early Retirement Forum || 401k Help Forum
Roth 401k Feeds by Carp || Kiplinger.com || 401k

Roth 401k Financial Forums Benefits Link Smart Money Personal Finance Talk

Family Resource - Relationships, Parenting, Pregnancy, Health, Finance, and Lifestyles

TXT-Sitemap XML-Sitemap Roth 401k RSS News Feed


Log in
Username:    Password:      Log me on automatically each visit    
New posts New posts    No new posts No new posts    Forum is locked Forum is locked

  • Stock ownership is up

    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...

  • Ave Maria Fund ideas

    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...

  • Good news for independent analysts?

    Wondering why brokerage-house analysts usually have so much more stock-moving muscle than independent analysts? One big reason is that brokerage firm trading services are often bundled with research. Large institutional investors want to be tops on the list of best...

  • Healthcare smart card?

    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...

  • Year-end tax pitfalls

    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...

  • Earnings growth, without the debt

    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...

  • Nursing Home Costs Up 5% in 2005

    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...

  • Break Up Citigroup?

    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...

  • Maintaining "measured"

    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...

  • Community Investing in Katrina's Wake

    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,...

  • Teaching Kids About Money

    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...

  • ETFs for Dividend Seekers

    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...

  • Golfers and finance

    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%...

  • Katrina Scams

    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...

  • Brokers go independent

    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...

  • Penny Stock Trading

    Penny Stock trading can be a rewarding activity.  Before you start, consider these three pitfalls then most importantly pick a recommended broker.

  • Refinancing your Home Mortgage Loan: Top 5 reasons

    There are many good reasons to consider refinancing your home mortgage loan.  Consider our top 5.


  • Bad Credit Secured Loans

    Bad credit secured loans aim to allow you to erase your credit history and start anew.

  • Cheap, secured, low rate loan?

    Is there such a thing as a cheap, secured, low rate loan?

  • Compare Personal Loans

    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?


  • Quick Personal Loans, Quickly!

    Need a personal loan and need it quickly?  Two types of personal loans are secured and unsecured, or quick personal loans.


  • Tips for Safe Online Mortgage Shopping

    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.

  • Are You Watching Your Money or is Your Money Watching You?

    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.

  • SmileTrain.org Website Offers Cleft Surgery Hope, Patient Stories

    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.

  • March of Dimes Repeats FDR's Historic Call for Change

    Donate Your Change At A Coinstar® Center in Participating Supermarkets and Make a Big Change In Babies' Health

  • Buying Investment Properties

    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.

  • Homeowning for Artists: It Can be Done

    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.

  • Can You Keep Your American Dream?

    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.

  • Mortgage Rates

    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.

  • Debt Consolidation

    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.


Please click here to visit our sponsor

Please click here to visit our sponsor

Menu
Roth 401(k) Forum Forum IndexRoth 401k Home Roth 401(k) Forum Forum IndexRoth 401k Feed Roth 401(k) Forum Forum IndexRoth 401k Discuss Roth 401(k) Forum Forum IndexRoth 401k News
FAQRoth 401k FAQ MemberlistRoth 401k Members Roth 401k Search Roth 401k Feedback
RegisterQuick Register ProfileProfile Log in to check your private messagesMessages Log inLogin/Out

Google


This site is hosted at LunarPages

Powered by phpBB © Roth 401k Forum