Personal Finance (Not Investing) • Mandatory Roth Catch Up Regs (and chaos) Released

IRA catch-ups other than SEP and SIMPLE are not affected by this rule.

I don't think that ANY type of IRA is affected by the mandatory Roth catch up requirement. Such mandated Roth catchups are only made to designated Roth accounts in 401k, 403b, and govt 457b plans.

You are right. I had noticed that Section 414(v) included SEP and SIMPLE without reading further that 414(v)(7) includes the following clause excepting SEP and SIMPLE IRAs:

(C)Exception
Subparagraph (A) shall not apply in the case of an applicable employer plan described in paragraph (6)(A)(iv).

Statistics: Posted by toddthebod — Wed Sep 24, 2025 2:44 pm — Replies 17 — Views 2055

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