r/BogleheadsAutre
Catchup contributions for 401K - Roth vs invest in taxable brokerage?
11 votes·12 commentaires·il y a 3mois
Contenu original
Per the Secure 2.0 act, catchup contributions (above regular yearly limit) will now be put under Roth Catchup. The alternative would be to skip the catchup and instead invest the money in a regular brokerage account. IMO, the Roth Catchup makes more sense - since in both cases you are paying taxes on the amount. However, in the Roth catchup case your growth and withdrawal will be tax-free. Whereas in a brokerage account you will paying capital gains at withdrawal. Am I missing anything in my comparison?
Meilleur commentaire
“Roth catchup all day long over taxable brokerage.”