Skip to main content
Message Font: Serif | Sans-Serif
 
No. of Recommendations: 0
Thanks, read the Kitces article and will probably read a few more times and wait and see a little before acting.

In my particular case, while an after-tax 401k is more flexible than the Roth, I have a pretty decent non tax advantaged nest egg that serves for my flexibility. Continuing to contribute to the 401k, contribution limits on the pre-tax/Roth component + employer match leads to a different asset allocation than I would like. I've been converting my traditional IRA outside the 401k to Roth, doing backdoor Roth, and converting within the 401k as funds allow to handle the taxes. But the potential tax change has me thinking of converting at least enough of the after-tax 401k to fill up my tax bracket.

After tax 401k contributions will continue in 2022 and beyond, but conversion seems like that option will be gone for that bucket. So I'll be working on converting pre-tax dollars in 2022 and beyond.
Print the post  

Announcements

Disclaimer:
In accordance with IRS Circular 230, you cannot use the contents of any post on The Motley Fool's message boards to avoid tax-related penalties under the Internal Revenue Code or applicable state or local tax law provisions.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.