Both Roth401 and Traditional401 require mandatory required drawdown upon reaching 72. Notice Roth IRA does not have that requirement. Typically if you think your retirement marginal tax rate will be higher than it is now use Roth 401K and if not then use Traditional 401K. If you are like me (not sure) then do both. I would go with Roth when young and go with Traditional after you turn 45.
一般来说,除了存钱退休或养老,还要花钱享受当下的生活+养娃+买房(401k/ira也可以部分付首付)等,钱要花的相对平衡。
在美国这么多年,认识不下十人没命享受 401K或退休金+social security。。。。
赚的钱多就roth 401K/ira,钱少就traditional 401K/ira,或者很多华人选择的中间项traditional401K + roth ira。
我的两分钱
Typically if you think your retirement marginal tax rate will be higher than it is now use Roth 401K and if not then use Traditional 401K.
If you are like me (not sure) then do both. I would go with Roth when young and go with Traditional after you turn 45.