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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•Money can be withdrawn tax- and penalty-free as long as you're at least age 59½ and have held the account for at least five years.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

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