Author Topic: roth 403b vs. non-roth 403b  (Read 1434 times)


  • 5 O'Clock Shadow
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  • Posts: 25
  • Location: WA
roth 403b vs. non-roth 403b
« on: September 03, 2014, 11:16:23 PM »
So I've already maxed out my normal roth IRA. I can contribute to a normal 403b, as well as a roth 403b (up to the limit - around 17.5k per year).

Should I do 100% pre-tax (normal 403b) or 50/50? Or what allocation?


  • Stubble
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  • Posts: 120
  • Age: 32
  • Location: California
Re: roth 403b vs. non-roth 403b
« Reply #1 on: September 03, 2014, 11:31:22 PM »
What's your income tax bracket for fed and state (if Washington has income tax)? Since you're contributing to a roth ira I assume you make less than 114k as a single or 181k if you're married (so 25% - 28% tax bracket max).

My wife and I personally contribute to two roth ira's and a pre-tax 401k because I like the diversification of tax treatment.

I feel like the general sentiment here is to max out pre-tax now while working with the thought you'll be in a lower tax bracket when you retire.