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by ryandrake
1848 days ago
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To add just a tiny addition to your excellent summary: Some employers’ plans also allow you to convert after-tax 401(k) contributions to your personal Roth IRA (as opposed to its Roth 401(k). Otherwise same as the mega-back door. You might prefer this if your Roth IRA gives you more flexibility in investments. |
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All this tax advantaged retirement savings is an almost entirely shadow-world when it comes to compensation. In tech places like http://levels.fyi has done amazing at leveling the playing field, but something small like an employer offering after-tax 401k, or only having horrible high fee fund options, makes a significant difference over the years.
Can you use a throwaway and name some names of employers that you know offer the after-tax-401k-to-personal-Roth option?