Personal Investments • Traditional 401(k) vs Mega Backdoor Roth tradeoff

Yes, the plan allows after-tax → in-plan Roth conversions, and the in-plan Roth balance is eligible for later rollover to a Roth IRA upon separation or qualifying event. This is good point, thanks

Well, having to wait for separation or qualifying event is a downside in your case, one that may or may not matter to you. Not all plans require that.

Statistics: Posted by ssel — Fri Jan 09, 2026 9:10 am — Replies 14 — Views 1013

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