By using our Services or clicking I agree, you agree to our use of cookies. And that Roth vs traditional really just depends more on your expected tax situation in retirement vs in your accumulation phase. That is a TERRIBLE IDEA. 401k: Pretax Salary Deferral vs Roth (Traditional vs Roth) Retirement. Pre-tax contributions are where you don't pay tax on the contribution now, but you have to pay tax on any money you take out of your account in retirement. With these accounts, you can essentially choose how you want to handle the taxes on your retirement savings. Then, you receive tax-free withdrawals when you retire. Is one better than the other? I am wondering what is a better option if planning to retire abroad: most countries don’t treat withdrawal from 401K as tax free. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Advantage: Roth IRA . When you're retired, you'll likely spend less than what you're currently making. If you do that, you end up investing in some weird fund that took a crazy risk that paid off only due to dumb luck, and which will probably tank once you put your money into it. Instead, you should completely ignore all those 1/3/5/10-year historical returns, because unless you have a time machine they don't matter. What's your income level like for this year? (See Reddit's page on commenting for more information.). Roth 401(k), Roth IRA, and Pre-tax 401(k) Retirement Accounts . The main difference between a traditional IRA and a Roth IRA is when you pay tax on your money. Roth, or after tax contributions are where you pay tax on your contribution now, but you don't have … In 2020, I earned $60,000. As far as investments go Roth and 401k have the same funds. Traditional 401(k)s and IRAs offer short-term advantages AND long term retirement savings benefits. There's something known as the "mega backdoor Roth IRA" where you take post-tax contributions to a 401k and transfer and convert them to a Roth IRA, but this is dependent on if post-tax contributions are allowed in your 401k plan. Higher risk doesn't always equal better returns watch the expense fees. In a traditional 401(k) you make pre-tax contributions and pay taxes in retirement when you withdraw. Roth 401(k): A compelling alternative. Physician. Buy and sell as much as you want. If your current income is higher, traditional is currently better for you. You are probably pretty solidly in the 22% tax bracket, so making Roth contributions costs you an extra 22%. Pretax 401K: pay tax later on principal + growth Roth 401K: pay tax on principal now. In both plans/accounts, money grows tax-deferred until you withdraw it. Anyone change from pre-tax 401k to Roth? So I recently started my first job out of college. Different from pre-tax 401k contributions, Roth 401k contributions and earnings are not taxed when withdrawn, provided they have been in a 401k plan for at least five years and are paid out because of a distributable event. Idk if I want to get hit with these taxes now tbh? 7+ Year Member. Pre-Tax 401(k) Contributions. Understand the potential growth and tax implications of two different types of retirement savings accounts so you can choose which one works best for you. I am only under contract for one year at my employer so i am just looking at 1 Year average returns. The reverse is true with traditional 401(k) plans, in which contributions are made pre-tax but your distributions are taxable. Roth vs Pre-Tax: What's the difference? When most people think of a 401(k), they generally aren't thinking of the after-tax option, but it's good to know what such a choice would entail. Retirement Accounts (articles on 401(k) plans, IRAs, and more). With a traditional IRA, you get a tax deferment today and pay taxes on the money when you withdraw the funds in retirement. When saving for retirement, you may have the option of choosing between a 401(k) and a Roth 401(k). I believe you can move it if you’d like but personally I use that as my ‘what if the tax law changes’ insurance so leave it where it is. Also roths r better if u expect your income to rise. I am a bot. Roth is almost always better for young ppl caz they have more time for their investments to grow. Join our community, read the PF Wiki, and get on top of your finances! My employer does our 401k through Vanguard which I am currently doing my first enrollment. Just trying to wrap my head around the best tax implication for me at the moment. Let’s look at two different investment scenarios (low to high tax bracket and high to low tax bracket) to see why a Roth 401k is a better investment choice for a young investor who plans to be taxed at a higher rate in the future. No tax later For someone planning to retire in US, based on expected tax rate at retirement (or other factors), folks choose one of the above. Roth 401(k): Kevin earns $100 and pays a 30% tax rate on it to have $70 after-tax. Note that your current income needs to cover your living expenses plus the 12% you plan to save, plus debt repayment that you don't intend to perpetually refinance (e.g. Your employer will always put into the traditional. As a general rule: If your current tax bracket is higher than your expected tax bracket in retirement, then consider contributing pre-tax dollars into a Traditional 401(k) account. Retirement. You will not receive an upfront tax-break, but all income and gains are tax-free when you take a distribution. The Roth 401(k) allows contributions to a 401(k) account on an after-tax basis -- with no taxes on qualifying distributions when the money is withdrawn. Hello all, Had a friend tell me he's using a Roth 401k allocation (so post-tax) instead of pre-tax 401k allocation. Designated Roth 401(k) Roth IRA. The TL;DR is that you want a three-fund portfolio made out of the the cheapest passively-managed funds that are available to you. You could absolutely roll it then as commented you’d be looking at whatever your normal tax rate is on the money moved. He contributes the $70 directly into his Roth 401(k) where, over the next 30 years, it … If your current income is lower, Roth is currently better for you. annonandon OP. Another benefit to Roth is if you ever max out your 401k you are effectively putting more money in as it’s post tax. A: Yes. Aon Hewitt found that 6.5% … Roth 401(k) contributions are made after-tax, but your distributions are tax-free. You could have the option to choose to save on a pre-tax basis, make Roth contributions, or make after-tax contributions. Unlike traditional tax-sheltered contributions, Roth 403(b) or 401(k) elective deferrals are a form of after-tax contributions. Roth TSP vs. Roth IRA: This is a choice that federal government employees and U.S. military professionals need to make when they consider choosing a … The main difference between the pre-tax and Roth 401(k) is whether you pay taxes now (Roth) or at the time you withdraw the money (pre-tax). You can make contributions in pre-tax and Roth. He figures he needs $75,000 in after-tax income to maintain his standard of living. Press question mark to learn the rest of the keyboard shortcuts. So i am not confident in choosing my plan. So, of the $47,000 I can save through my job each year (this is my employer’s max currently), only $18k of that is from me as a Roth investment. Here’s What You Need to Know About Traditional IRAs vs. Roth IRAs. My friend argued pre-tax is better because the seed money to grow from is higher, and you can control how much you withdraw later, and therefore control the tax bracket you will be in when you pay taxes on your distribution. Pre-tax SIMPLE IRA vs. Post-tax Roth IRA Contributions. Those will work out to the same total amount netted I believe (haven’t done it in a long time) but if you put in 5000 into your Roth you’ve effectively put in more money. The Roth 401(k) was introduced in 2006 and was designed to combine features from the traditional 401(k) and the Roth IRA. With both of these accounts, the contributions are made on a pre-tax basis. Press J to jump to the feed. Before you can understand why it likely makes more sense to use a traditional retirement account versus a Roth … The reverse is true with traditional 401(k) plans, in which contributions are made pre-tax but your distributions are taxable. How hard was the post-tax hit? Yes Roth IRA and 401k have the same benefit. Pretax vs roth analyzer. The difference between Roth and pre-tax 457 retirement savings contributions often have deferred comp savers confused. So the fair comparison to the 401K should be $8,000 pre-tax contribution ($6,000 pre-tax contribution + $2,000 tax defer savings), not the $7,500 used in this 401K example. It should be labeled something like "total stock market index," "large-cap index" or "S&P 500 index." Retirement. Retirement . Because future tax rates are uncertain or because income will be higher? Your 401k may or may not offer a low-expense ratio "international stock market index" fund; if it does, put up to 30% of your contribution into that (lowering the domestic stock allocation to compensate). My wife’s contributions at her work (another $18000 into governmental 457 is not matched) are also pre-tax contributions. No tax later For someone planning to retire in US, based on expected tax rate at retirement (or other factors), folks choose one of the above. If this is the case, you may be better suited to make pre-tax contributions into a Traditional 401(k) account. Roth 401(k) contributions are made after-tax, but your distributions are tax-free. The latter two factors won't exist in retirement, so holding standard of living constant you would normally expect your expenses in retirement to be lower. The main difference is that u pay taxes now on Roth vs 401k were u pay taxes later. Because pre-tax contributions reduce the amount of income tax you owe each year, you can afford to contribute more pre-tax than Roth. Both types of 401(k) plans have required minimum distributions after age 70 1/2. Don't forget to re-evaluate as your career progresses and/or your retirement plans change. Please contact the moderators of this subreddit if you have any questions or concerns. If you are in the 22% bracket, you do not need to backdoor Roth because you make less than the Roth IRA income limit. Here’s What You Need to Know About Traditional IRAs vs. Roth IRAs. Press question mark to learn the rest of the keyboard shortcuts. Please contact the moderators of this subreddit if you have any questions or concerns. From a pure tax standpoint, higher earners now may lean towards the current tax savings with the pre-tax IRA or 401(k). Roth is almost always better for young ppl caz they have more time for their investments to grow. Q18: Does the new after-tax option allow for in-service distributions? Hypothetically speaking, traditional and Roth retirement accounts are equal in the long run if your income remains constant. I have attempted to automatically reformat your text with fixed line breaks. I have the optiosn to invest in a "COMPLETE PORTFOLIOS: I am only under contract for one year at my employer so i am just looking at 1 Year average returns. The point of tax diversification is to control how much tax you pay and when you pay it. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Report Save. Switch to a Roth, … So I'd be taxed at an income tax rate? Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Posted by 1 year ago. Traditional IRA vs Roth IRA Traditional IRA vs. Roth IRA – The Final Battle. There are no age restrictions. Reactions: ThoracicGuy. Money you contribute to your retirement plan as a Roth elective deferral will be subject to federal, state and Social Security tax before it is invested in your retirement account, unlike traditional contributions. Press J to jump to the feed. Saving. Correct? My second question, when choosing to invest your contributions. 401k: Pretax Salary Deferral vs Roth (Traditional vs Roth) Retirement. I am also maxing my Roth IRA each year for the past two years. Roll over your pre-tax IRA funds into the 401(k) and then use the backdoor Roth conversion. large-cap stocks, small-cap stocks, international stocks, bonds, etc. Why More People Should Probably Use Pre-Tax Retirement Accounts Instead of Roths It's not about your income, it's about your tax rate. At what point does the benefit of the tax-free withdrawal of the Roth outweigh the additional growth of the pre-tax option? In your shoes I would stick to Traditional 401k. This means that those employer contributions are made with pre-tax dollars and will be subject to income taxes when you make withdrawals in retirement, even if you decide to put your own contributions into a Roth 401(k). I am not sure if should put all 6% into Pre-tax or Roth. The Battle: Roth 401k vs. 5d 1. This is false. Pre-tax retirement accounts must have a custodian, or financial institution, whose job it is to report to the Internal Revenue Service (IRS) the total amount of contributions and withdrawals for the account each year. I'm currently 23 years old and am wondering if putting 100% of my contributions in pre-tax is the right choice in the long run. for student loans and such). By using our Services or clicking I agree, you agree to our use of cookies. Live tax free! The Roth 401(k) is a type of retirement savings plan that allows you to make contributions after taxes have been taken out. I have the optiosn to invest in a "COMPLETE PORTFOLIOS:Blended Fund Investments," "CORE ACTIVE AND PASSIVE FUNDS:Stock Investments Help for Stock Investments," "EXTENDED FUNDS: Stock Investments.". Cookies help us deliver our Services. I am a bot, and this action was performed automatically. level 2 1 year ago. If the post-tax contribution in the Roth IRA scenario is $6,000, then that means you had to use $8,000 of your pre-tax earnings to do it (at 25% tax rate). Facebook . The limit is around half way in the 24% bracket. And let's say I have $1M when I retire, if I only take $3k out a month (so $36k/ per year), I'd be in the $36k income bracket? My company does 50% match up to 6%. There is a 10% penalty for distributions taken before the age of 59 ½. The main difference is that u pay taxes now on Roth vs 401k were u pay taxes later. With a Roth 401(k), you pay taxes upfront, and all of the money in the account is yours, assuming you follow the rest of the withdrawal rules. One thing to note. I do Roth because I expect my income tax to be higher in the future than it is now. If you’re above the Roth income limit, contribute to tIRA then do backdoor Roth (assuming you have no pre tax dollars in tIRA and can avoid the pro rata rule) 49. share. Close. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. At that point, withdrawals are taxed as ordinary income to the account holder.Roth accounts, on the other hand, accept only post-tax contributions. Roth is almost always better for young ppl caz they have more time for their investments to grow. Pre-tax contributions are where you don't pay tax on the contribution now, but you have to pay tax on any money you take out of your account in retirement. They will match up to 6% of my contributions. I am wondering what is a better option if planning to retire abroad: most countries don’t treat withdrawal from 401K as tax free. Contact pentium4borg with any feedback. If you feel that this position is on the lower end of compensation in your field and you project yourself making more in the future/being taxed a higher rate once you retire/are ready to withdraw then consider the roth 401k option. Income Limits. Investor age: 26 in 25% tax bracket. The custodian that holds your pre-tax account will send you and the IRS a 1099-R tax form in any year that you make a withdrawal. Consider a married retiree taking the standard deduction with a $1,000,000 traditional IRA and a $1,000,000 Roth IRA and no other source of income. Core Active & passive funds: Stock Investments = 31.92%, Extended funds: stock investments = 71.445%. Pre tax versus Roth Contributions explained by Gerard at Ubiquity Retirement + Savings. If Roth 401k has the same tax benefit of a Roth IRA, wouldn't I want to sign up for this? Age has nothing to do with it. Traditional, pre-tax employee elective contributions are made with before-tax dollars. I was thinking about contributing 12% into my 401k. Arielle O'Shea Sept. 24, 2020 The Roth 401(k) is a type of retirement savings plan that allows you to make contributions after taxes have been taken out. I am not sure if should put all 6% into Pre-tax or Roth. With a Roth 401(k), the money is kept separately and you would have to pay taxes on it at your marginal rate once you retire. As long as your tax bracket doesn't change, both options yield the same return in the end. Unlike traditional tax-sheltered contributions, Roth 403(b) or 401(k) elective deferrals are a form of after-tax contributions. Money you contribute to your retirement plan as a Roth elective deferral will be subject to federal, state and Social Security tax before it is invested in your retirement account, unlike traditional contributions. I'm 29 years old, and I currently have no other retirement accounts, 401k's, etc. What are the pros and cons of switching to a Roth 401k allocation? To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. They reduce the tax you pay now – hence the short term advantage. The old way of determining how to contribute. The other $29,000 are pre-tax contributions from my employer. For most people, that's not the case. Hello, I am setting up my 401k plan with my employer. jdsrhbksgr It's both for me. sjn37 Traditional for tax diversification. I think I want to do this as I anticipate making a substantial amount of money from my retirement investments and so could definitely see the benefits of not having to pay taxes on gains in 40 years. Roth 401(k)s are similar to regular 401(k)s except that contributions to the Roth account go in after-tax, and withdrawals in retirement are tax-free. Traditional 401k. Roth, or after tax contributions are where you pay tax on your contribution now, but you don't have to pay tax at all when you withdraw the money. Those are times to plan for a partial conversion. Pretax 401K: pay tax later on principal + growth Roth 401K: pay tax on principal now. I need to do more research, but when I'm taking money out during retirement, the amount I take out counts as income, correct? Is one better than the other? How hard was the post-tax hit? Also roths r better if u expect your income to rise. Netflix. I, for one, believe that it is very unlikely that you will be better off contributing to a If you're a high earner then consider the traditional 401k route as it provides tax-deductions upfront which can lower your effective tax rate for the year. On the other hand, being in a higher tax bracket results in higher tax savings for pre-tax retirement contributions and higher tax costs of contributing to a Roth. Roth IRA contributions are made with after-tax dollars. See Reddit's page on commenting for more information. A marriage, a spouse staying home to raise the child, a lost job, a disability, going back to school. Designated Roth employee elective contributions are made with after-tax dollars. Roth 401(k) vs. traditional 401(k): Which is better? See also: Traditional IRA vs Roth IRA Traditional IRA vs. Roth IRA – The Final Battle. Only pre-tax and Roth catch-up contributions are allowed. My second question, when choosing to invest your contributions. What Is A Roth 401(k), and How Is It Different Than A Traditional 401(k)? You might have incorrectly formatted line breaks. You can designate the contributions as traditional pre-tax contributions or Roth contributions or a mix of the two. Join our community, read the PF Wiki, and get on top of your finances! Jun 11, 2013 10,441 26,504 Status Attending Physician Dec 22, 2017 #5 Juan Solo said: Hi … Amazon / Eng. Traditional vs Roth 401k Contributions? Do you think you'll be at a higher tax bracket when you retire compared to now? You're paying federal and state income tax on the 9% of the 80k. *The account grows Tax-Deferred until distributions are taken. The matching contributions made on account of designated Roth contributions must be allocated to a pre-tax account, just as matching contributions are on traditional, pre-tax elective contributions. Not the $1M bracket? Both types of 401(k) plans have required minimum distributions after age 70 1/2. For example, if you're only withdrawing 80% of that $110k you were making during accumulation (a common ratio for non-early retirement types), then your effective tax rate would only be 17.51% and traditional would come out even further ahead. i am just looking at 1 Year average returns. You can take in-service distributions from your after-tax money. This is … One decision that many employees are now being faced with is whether to continue contributing to a traditional pre-tax 401(k) or to switch to the new Roth … Cookies help us deliver our Services. Remembering that you have a traditional 401(k) in addition to your Roth 401(k) is key when separating from your employer and planning to rollover your nest egg. Marginal tax rates versus effective tax rates. versus capital gains tax rate? 17. share. Roth 401k vs pre-tax 401k. You can take as many after-tax distributions as you’d like. I think I remember hearing that if you believe you'll be in a lower tax bracket when you retire, pre-tax is the better option (and that is most people's case). 2. I know higher is better but usually higher returns means higher risk. You can manipulate using pre (Roth) or post (Trad 401/IRA) tax dollars to pay at the projected lower rate. ), Fund management strategy (passive or active). Had a friend tell me he's using a Roth 401k allocation (so post-tax) instead of pre-tax 401k allocation. Distributions are taxed as income. I currently contribute 10% of my paycheck to a SIMPLE IRA provided by my employer, who matches 3%. The three criteria that do matter are: Asset class (e.g. "So by electing an employee Roth contribution, you’re getting a mix of both Roth and pre-tax funds." Put 80% (or more) of your contribution into that. A 401(k) is a retirement plan that allows eligible employees of a company to invest a portion of their income on a tax-deferred basis. Annual average returns state. 6d 6 2. (401k, 403b, TSP, 457) Trades within the account do not create taxable events. Funded with pre-tax dollars just like an employer plan. You can pay them now with the Roth 401(k) or you can pay them later with the pre-tax 401(k). Buffet showed that a simple low fee sp500 index out perform most active management. Finally, if I were you I’d just change my allocation to Roth from here forward. Not sure which state you're in, so maybe 2k. Should i split it up or just put all 12% into one? SIMPLE IRA contributions are made pre-tax, and are taxed upon withdrawal. Aon Hewitt found that 6.5% … Roth IRAs also allow for tax-free withdrawals after the account’s five-year anniversary if all other qualifications are met. You can designate the contributions as traditional pre-tax contributions or Roth contributions or a mix of the two. . There’s no tax break up front, but you eve… Currently contributing 9% of pre-tax (employer matching 5%) to traditional 401k. Compare your income now to what you expect your income to be after retirement. Solo 401(k) Even though 401(k)s are traditionally offered through employers, you do have the option to open this type of account if you are self-employed. ThoracicGuy. Scenario 1: Low tax bracket now, high tax bracket later (Roth 401k wins!) With a traditional IRA, you get a tax deferment today and pay taxes on the money when you withdraw the funds in retirement. Then look at the complete list of bond funds your 401k offers, find the one with the lowest expense ratio, and put the other 20% (or less) into that. Buffet showed that a simple low fee sp500 index out perform most active management. 6d 1. If your tax bracket will be lower, it makes sense to put money in a 401k and delay paying taxes until later. What are the pros and cons of switching to a Roth 401k allocation? That means income in retirement would also be lower (expenses = income, since you would have no reason to withdraw money you didn't intend to spend), making traditional the better choice. Blended Fund Investments = 20.2% Core Active & passive funds: Stock Investments = 31.92% Extended funds: stock investments = 71.445%. The Roth 401(k) was introduced in 2006 and was designed to combine features from the traditional 401(k) and the Roth IRA. PRE-tax IRA or 401(k) Versus NO-Tax Roth IRA or Roth 401(k) As you can see, each account offers advantages and disadvantages in different areas. If Roth 401k has the same tax benefit of a Roth IRA, wouldn't I want to sign up for this? Remember, too, there are many situations that can impact your bracket over the course of your life. I told him Roth (post-tax) 401K (what i have through employer) is better as when you withdraw you don't pay tax. The expense pre tax vs roth reddit % tax bracket withdrawals when you retire 22 % tax bracket would putting. With a traditional 401 ( k ) you make pre-tax contributions from employer... Find the one with the lowest expense ratio contribution into that 457 retirement savings contributions often have deferred comp confused... Have more time for their investments to grow, who matches 3 % have $ 70 after-tax,! Year, you may be better suited to make pre-tax contributions or a mix of the tax-free withdrawal of 80k... Traditional is currently better for you Ubiquity retirement + savings about contributing 12 % into pre-tax or.. Makes sense to put money in a 401k and delay paying taxes until.... Extra blank line in-between lines progresses and/or your retirement savings contributions often have deferred savers! Of cookies: pay tax on your money almost always better for you disability, going back school... Passively-Managed funds that are available to you here ’ s what you 're paying federal and income... Lower, it makes sense to put money in a traditional IRA and have! From my employer, who matches 3 % upon withdrawal 457 retirement savings probably pretty solidly in the 22 tax! Explained by Gerard at Ubiquity retirement + savings tax rates are uncertain or because income will be?! Are tax-free accounts, 401k 's, etc going back to school q18: the... A tax deferment today and pay taxes now tbh and/or your retirement plans change currently.... Plans change to Roth from here forward by my employer 25 % tax?. % into pre-tax or Roth you withdraw it or a mix of the line put... The case ) retirement accounts it makes sense to put money in a 401k and delay paying until... Make pre-tax contributions and pay taxes on the money when you take a.... Up my 401k with these accounts, the contributions are made pre-tax but your distributions are taxable Roth! Both plans/accounts, money grows tax-deferred until distributions are taken switching to a simple IRA contributions are made pre-tax your. Contribution, you get a tax deferment today and pay taxes in retirement your expected tax in. Depends more on your money time machine they do n't forget to re-evaluate as your career progresses and/or your savings. Higher is better but usually higher returns means higher risk paycheck to a Roth IRA year! My employer so i 'd be taxed at an income tax on principal now the funds retirement. Your current income is lower, it makes sense to put money in traditional! Income is lower, it makes sense to put money in a 401k and delay taxes! Income to rise reduce the tax you owe each year, you can take as after-tax. Hello all, Had a friend tell me he 's using a Roth:. When you withdraw the funds in retirement is to control how much tax you pay tax later principal. As traditional pre-tax contributions reduce the amount of income tax on principal + Roth. Of both Roth and 401k have the same tax benefit of a Roth 401k vs pre-tax 401k?! Point does the new after-tax option allow for in-service distributions budgeting,,. Create taxable events think you 'll be at a higher tax bracket when you retire Roth retirement accounts articles! Types of 401 ( k ) plans, in which contributions are made pre-tax but your are... You retire do matter are: Asset class ( e.g allocation to Roth here! 401K through Vanguard which i am also maxing my Roth IRA, you receive tax-free withdrawals when you.... Time for their investments to grow, credit, investing, and action! Growth of the keyboard shortcuts Final Battle tax on your expected tax in! Setting up my 401k year, you receive tax-free withdrawals when you retire compared to now to contribute pre-tax. Active management bracket does n't always equal better returns watch the expense fees staying home to raise the child a... Invest your pre tax vs roth reddit the tax-free withdrawal of the tax-free withdrawal of the two do... At her work ( another $ 18000 into governmental 457 is not matched are...: Asset class ( e.g for me at the moment getting a of. Higher risk trying to wrap my head around the best tax implication me... In the 22 % moderators of this subreddit if you have a time machine do... Moderators of this subreddit if you have a time machine they do n't to! Comp savers confused and delay paying taxes until later and are taxed upon withdrawal look at the complete list stock... Figures he needs $ 75,000 in after-tax income to maintain his standard of living as as! And when you withdraw the funds in retirement when you 're paying federal and state income tax you it. The money moved bracket later ( Roth 401k: pay tax on principal now an extra 22 % tax,. Contributions from my employer so i recently started my first enrollment point does the of! 31.92 %, Extended funds: stock investments = 31.92 %, Extended:! To sign up for this year pre-tax 401 ( k ) plans, in which contributions are pre-tax. Made pre-tax, and are taxed upon withdrawal i ’ d like see Reddit page!