I have to ability to contribute up to 25% of my salary after-tax (in addition to up to 25% pre-tax) and recharacterize the after tax contributions twice a year. However, I'm one of the fortunate ones with a pension so my income tax bracket will not drop significantly in retirement. Is it still worth going to mega-backdoor route or should I just invest in taxable accounts? I know there's no bad options here - I count myself lucky on all fronts. If I delay taking my pension until 62, I will get the full amount so the one perk to the mega backdoor would be to bridge the gap between retirement and when I start pulling my pension. The earliest I (voluntarily) retire will be 52, golden handcuffs with the retiree healthcare.
