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How is a Roth 401(k) plan different from a regular 401(k)?

Roth 401(k) is a relatively new option that some employers offer along with a traditional 401(k). It's basically the opposite of a traditional 401(k) plan - meaning you pay the taxes on your contributions, but not your withdrawals. So while you do have to fund it with after-tax dollars, the money grows tax free and you won't have to pay income tax on any money you take out. 羅斯401(k)是目前雇主提供的一個較新的退休福利計劃選擇,也可與傳統401(k)同時提供。羅斯401(k)與傳統401(k)計劃相反,您需要先繳納稅款,而提款時則無需再繳納稅款,且無須於投資增長的資金上再繳納稅款。

Roth 401(k)s are subject to required minimum distribution rules. So after you turn 70 ½, you will be required to start withdrawing money from the account. 若您選擇使用羅斯401(k)計畫,您須遵守最低分配規定,因此當您年滿70½後,則需開始從帳戶中提款。

If your employer offers both types of plans, you can divide your savings among them - they will have the same investment options. 如果您的雇主提供兩種401(k)計劃,您可以自由分配金額至兩個計畫內-他們將擁有相同的投資選擇。


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