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  • Did I mess up doing traditional instead of Roth? : r . . . - Reddit
    Maxing Roth is better than maxing traditional, if you're doing that No income tax state, Roth is likely better At the end of the day, the difference between trad and Roth probably won't be that much
  • Roth vs Traditional? Roth is almost always a worse choice . . . - Reddit
    100% Roth is almost never the right answer, because at the margin shifting $1 from Roth to Traditional almost always saves you taxes (the exception being if you have enough income in retirement from a non-Roth non-Traditional source to fill up the standard deduction)
  • ROTH 403B vs ROTH IRA : r fidelityinvestments - Reddit
    For additional information about Roth IRAs, including income and contribution limits, check out the link below Roth IRA Please don't hesitate to follow up if you have additional questions!
  • Excess Roth IRA Contribution: Recharacterization and Backdoor still . . .
    Process so far (and questions) Today, I opened up a traditional IRA with Fidelity (only had employer Roth 401k, individual brokerage account, and Roth IRA prior) and completed the IRA Recharacterization form
  • What funds should I invest in for my Roth IRA account? : r . . .
    Roth IRA Contribution Limits Since you mentioned opening an Individual Brokerage account for investing in mutual funds and index funds, I do want to make sure you're aware that these security types are eligible for your Roth IRA as well
  • Roth 401k vs Traditional 401k : r Bogleheads - Reddit
    Roth IRA via the backdoor conversion and MBDR via in-plan conversions will still let him build a sizable Roth nest egg, but forfeiting the tax break from traditional 401k today is wasteful Let me see if I can convince you of that Ask him what he expects his effective rate to be in retirement
  • Can someone explain 401k, Roth 401k and a Roth IRA to me like . . . - Reddit
    In a roth or a tradition ira 401k its on taxed once (either when you earn it for roth or when you cash it out for traditional) Ex-$1000 Traditional IRA- no tax, leave it for a long time, grows to 5k, withdraw it and pay income tax on 5k, netting you like 3500-4k depending on tax bracket
  • Direct Deposit from Paycheck to Roth IRA setup - Reddit
    I want my contributions to my Roth IRA sent via direct deposit from my employer I have the routing number and account number from fidelity however I'm not sure if I should delegate it as a savings account or checking account in the payroll portal My gut says savings since it's a retirement account but I have read conflicting things online Is anyone with a similar setup able to confirm?
  • Why you should (almost) never contribute to a Roth 401 (k)
    Tax-Free gifts to heirs: Inherited Roth IRAs provide tax-free distributions to your heirs Depending on your wealth level, it may make sense to contribute or convert to Roth accounts to pass down tax-free money to your heirs, especially if they have a higher marginal tax rate than you do
  • Switching from Traditional TSP to Roth TSP : r ThriftSavingsPlan - Reddit
    I think switching to Roth is a great idea - see below You may want to consider making the change from traditional to Roth over a longer timeline so the tax hit will be less noticable The first year of my charge I did 2 3 traditional and 1 3 Roth Year two 1 3 traditional and 2 3 Roth By year 3 I was 100% Roth Just something to consider





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