Understanding Distribution Taxes and Penalties
Knowing how participants will, or won't, be taxed on their DC plan distributions
Tag: Roth 401(k)s
Making Roth Real
How plan advisers are helping participants understand Roth contributions to retirement plans.
Availability of Contribution Options Across Plan Sizes
Adoption of Roth, after-tax and catch-up contribution options varies, sometimes dramatically, across plan sizes.
Nuts & Bolts: Should I do Roth 401(k), Traditional Or Half and Half?
In this Nuts & Bolts entry, PLANADVISER unpacks this essential, but often misunderstood area among participants.
The ‘Rothification’ of Retirement Plans: Opportunity and Complexity
In-plan Roth contributions have been available for over 20 years, but recent retirement legislation will increase both their use and...
Counting on Roth
Federal retirement legislation is in part looking to Roth 401(k) savings to help pay for related incentives—but uptake may be...
Why Roth? Benefits for Plans and Participants
After many years of availability, many employers now offer a Roth 401(k) as part of their plan design—which will make...
IRS Notice Clarifies SECURE 2.0 Automatic Enrollment, Tax Credits, Other Features
The grab-bag notice also provided guidance on de minimis incentives, distributions for the terminally ill and Roth matching.
ADP Exec: Start Auto-Enrollment With New Clients Now
With SECURE 2.0 deadlines pending, plan advisers should also start talking to plan sponsors about providing company matches as post-tax...
With Roth Use Set to Grow, Vanguard Stresses Participant Education
The firm’s retirement head says its plan sponsor clients are ready for implementation, but participants can use more information.
NAGDCA: Roth Catch-Ups Will Be Major Issue for Government Plans
This is the second time in three months the advocacy group has warned federal regulators and appealed for assistance.
As SECURE 2.0 Changes Loom, Plan Sponsors Need Prep, Advice
SECURE 2.0 gives advisers ample opportunity to connect with plan sponsors to ensure they are ready for both mandatory and...
PLAN DESIGN | Participants
Take It Past the Limit
Voluntary after-tax retirement savings accounts as a design feature.
Nearly Half of Vanguard Plans Use Automatic Enrollment
At year-end 2018, 66% of new plan entrants were enrolled via automatic enrollment.
PSCA Finds Improvements in 401(k) Plan Design
More plan sponsors are making Roth contributions available, automatic enrollment default deferral percentages are increasing, and company match formulas are becoming more generous.
Investment-Oriented
The Case for Roths
These 'delayed gratification' plans offer benefits worth waiting for
Roth Conversions Part of the Tax Diversification Tool Belt
Under IRS guidance, participants can select to convert their entire pre-tax balance or a portion of it; they often have a lot of questions about the right amount...
Retirement Taxes Can Derail DC Plan Participants’ Progress
“There are strategies of rolling some amount of traditional 401(k) dollars over into a Roth IRA that are potentially advantageous, especially if you have a couple of years...