• After-tax contributions can be made to the Roth account.

  • Typically, 401(k) funding comes from pre-tax dollars from your paycheck.
  • If you think you will have a higher income after retirement, it might make sense to contribute to Roth.
  • The annual IRA funding limit is $6,000 per year for those under 50 years of age.
  • There is an income threshold for being eligible to contribute to a Roth IRA account.