Should I be using Roth 401k in 15% bracket?

[unflinching]

After deductions my taxable income will be in the 15% bracket for the next few years.
I max out my 401k pretax, but I think I should be switching to the Roth 401k for the following reasons:

1. My retirement income is almost guaranteed to be taxed >10%
2. Since I max out the 401k, contributing post tax actually lets you squeeze a little more into it.

Does this sound correct?

[beltim]

If both of your assumptions are correct, yes, your conclusion is correct.

Why do you think your retirement income will be taxed at a rate higher than 15%?

[beltim]

Will the pension start immediately upon your retirement?

[beltim]

Okay, good to know.  But now your original post says your retirement income will be taxed greater than 10%.  I think the answer to your question lies in whether you'll be in the 10% or 15% bracket.  Why would you want to pay 15% taxes now instead of 10% taxes later?

[i_am_the_slime]

Personally, I am a huge fan of having both Traditional and Roth retirement accounts as a hedge on future tax rates.  Also, it allows additional flexibility to minimize taxes.  So, that said, I think it depends on what your mix currently is.  Could you do something like 75% Traditional 401k + 25% Roth 401k + Roth IRA?  Also keep in mind that employer contributions are ALWAYS into a "Traditional" 401k account.