Roth Accounts’ Rise Brings Opportunity, Uncertainty for Savers
A tax policy expert shares how Roth contributions are impacting congressional priorities and decumulation strategies.
Tag: Roth
Rollover Rules for Roth 401(k), 403(b) and 457(b) Account Assets
There are advantages to a Roth account, but rollover flexibility is not one of them.
In-Plan Roth Conversions: Complicated, yet Appealing
While the transfers are mostly used by experienced workers, there are reasons for advisers to recommend them for younger workers,...
DC Plan Roth Contributions, by the Numbers
Defined contribution plan sponsors share whether they offer Roth contributions and in-plan Roth conversions.
Nuts and Bolts: When Do Roth Contributions Make Sense?
While Roth contributions are often conflated with after-tax contributions, experts say it may help to think of retirement assets going...
Recordkeepers Prepare for 2026’s ‘Roth-Only’ Catch-Up
While plan sponsors and payroll providers will likely take the first steps, recordkeepers face growing complexity as the new requirements...
Roth Rollovers Expansion Bill Reintroduced in Congress
The House and Senate bills would help workers consolidate retirement savings by allowing rollovers from Roth IRAs into employer-sponsored Roth...
Roth Catch-Up ‘Playbook’ Can Guide Advisers Through Compliance
Plan advisers can be crucial guides who ensure plan sponsors, recordkeepers and payroll providers understand Roth catch-up contributions.
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.
Advisers ‘Playing ‘Quarterback’ as IRS Changes Roth Rules
Defined contribution plan advisers and sponsors need effective teamwork as the Roth compliance deadline grows closer.
How Employers Can Prep For New Rules on Roth Catch-Ups
Legal experts say plan sponsors and administrators and payroll providers need to figure out how to comply with the final...
IRS, Treasury Release Final Roth Catch-Up Regulations
While the agencies are ending a two-year delay in establishing the regulations, the rules will only be applied in ‘good...
Budget Scoring Methods Could Lead to More Complicated Roth Policies
More tricky Roth provisions could be inserted into retirement plan legislation, as long as budget incentives continue to drive policy...
Vanguard: Roth 401(k) Savings Show Steady Growth
Vanguard’s annual America Saves report shows an uptick of Roth 401(k) use both in terms of availability and participant use.
Roth in Reality
Further guidance is needed for recent federal retirement legislation as industry faces implementation.
ERIC Lays Out Its IRS, Treasury Priority Areas
A letter from the ERISA Industry Committee lays out recommendations for its 2024-2025 Priority Guidance Plan for regulators including retirement...
Biden’s Budget Would Compel Distributions From Retirement Accounts Over $10M
The proposal would add to a plan to prohibit backdoor Roth conversions.
Past Proposals to Tax Qualified Retirement Plans Have Never Gotten Far
Industry has always organized to defeat even marginal changes to the tax-preferred status of DC plans.
Advisers Hardly Ever Recommend Active TDFs to Retirement Plans, Research Shows
A report from Cerulli also found that student loan matching and Roth matching are among the most recommended SECURE 2.0...