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Author: pjohns One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 290  
Subject: Roth IRA vs. After-Tax 401(k) Date: 6/29/2000 10:05 PM
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I have a question that I hope someone can help me with. I contribute the maximum in pre- tax dollars to my 401(k), plus a substantial amount after tax also. The question: Is there any difference as regarding taxes between a Roth IRA and the after-tax portion of a 401(k)?

Does anyone out there know?

Thanks.

Sincerely,
pjohns
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Author: Raladic Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 287 of 290
Subject: Re: Roth IRA vs. After-Tax 401(k) Date: 1/17/2013 5:32 PM
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There is one major difference - in a 401k you have a minimum retirement distribution (MRD) from 70 1/2 years of age onwards.
This means regardless of if you need the money or not, you will have to take a certain portion out.

In a Roth-IRA your funds can grow as long as they want (including past your living) without having to take out a single dollar, so you can potentially have them grow for a longer time and can take out exactly what you need, not what you have to take out.

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