Personal Investments • 2026 - 401k catch-up contribution question (Roth)

Ah, thank you. That helps. I turned 50 last year, so this would definitely apply to me. I may as well just direct the $8,000 to the Roth catch-up contribution and then any additional funds to the after-tax Roth conversion.

But MBR funds have little or no taxable amounts, so that's likely not an issue.

There's another difference worth considering, and it weighs in the opposite direction. Roth contributions cannot be removed from the plan while you're still employed but not yet 59.5. MBR funds can be (if the plan allows it). This may or may not matter to you.

Statistics: Posted by JD2775 — Fri Jan 09, 2026 8:58 am — Replies 4 — Views 468