No. of Recommendations: 1
Yes, when it comes to after tax contributions to a 401(k) or non-deductible contribution to a Traditional IRA, I agree with you: tax-efficient investments in a taxable account are likely to do better!

Another reason to make after tax contributions to these is the ability to convert to a Roth in a later year.

If you can make the Roth conversion at any future date, an after tax 401k/IRA contribution is equal in value to a Roth contribution made in the same year as the original after tax contribution (tax rates equal, of course).

Nick
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