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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP.. Thanks for all the inputs..

Here are more details:
- Company matches a portion of every dollar contributed in regular or Roth 401K, so he has to contribute the full 23,500 (24.5K next year) to maximize that.  Original question was whether it should all be in pre-tax or Roth 401k given his tax bracket.
- In addition, he will contribute to a Roth IRA outside of work. Has been doing that for a couple of years with internship income.
- His company 401K allows individual stock trading as well, though I suspect with a limited set of tools.
[/quote]

He definitely should do Roth to as much as he can given the way the match works. Company matches are always in pre-tax I believe. So he would end with half in Roth and half in pre-tax; this is much better than all in pre-tax. The half in Roth will pay dividends down the road in the form of tax free withdrawals.[/quote]Assuming anything like current tax law, Roth for tax free withdrawals, no RMAs, and no taxes for beneficiaries.[/quote]

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