Any effort to partially or fully transition workplace retirement plans to an after-tax, Roth-based model will come with complexities, say industry insiders.
Perhaps the biggest one is that most 401(k) participants don’t know what Roth means, or the potential advantages and drawbacks of saving on an after-tax basis.
Under the Trump administration’s effort to reform and lower individual tax rates, lawmakers are reportedly considering raising revenue by limiting pre-tax savings deferrals to traditional 401(k) plans.
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Nick Thornton
Nick Thornton is a financial writer covering retirement and health care issues for BenefitsPRO and ALM Media. He greatly enjoys learning from the vast minds in the legal, academic, advisory and money management communities when covering the retirement space. He's also written on international marketing trends, financial institution risk management, defense and energy issues, the restaurant industry in New York City, surfing, cigars, rum, travel, and fishing. When not writing, he's pushing into some land or water.
