Our companies is the same. I put in pre-tax into my 401k for many years, but for the last 7 years or so I switched to all Roth 401k. It is confusing because it's all in one bucket from everything I can tell. Hopefully there is a way to get into the details because when it is time to take withdraws I will want to take out the pre-tax first so my Roth can have more time to compound tax-free.

Thanks for asking this. I was a bit confused too. My employer just sent an email saying they will now have a Roth 401k eligible through Fidelity. Your post reminded me that I needed to research this.

Anonymous wrote:

Anonymous wrote:Just put everything in Roth.

You can’t do this with an income over the threshold.

Perhaps I should have said put all your contributions in your Roth 401K.

Roth 401(k) contribution limits are the same as the traditional 401(k) contribution limits.

The Roth 401(k) contribution limit is $23,500 in 2025. People aged 50 and older can contribute an extra $7,500 as a catch-up contribution. Due to the Secure 2.0 Act, those aged 60, 61, 62 and 63 get a higher catch-up contribution of $11,250. In 2026, the contribution limit is $24,500, with a catch-up contribution of $8,000. Those aged 60, 61, 62, and 63 will have the same higher-catch up contribution of $11,250.

Anonymous wrote:Just put everything in Roth.

You can’t do this with an income over the threshold.

Anonymous wrote:

Anonymous wrote:Just put everything in Roth.

Op here. Not sure what you might mean by this. I already have $2 million in the trad 401k. Even if I put all new contributions in a Roth, the investments percentages will be allocated in the same manner in the trad portion and Roth portion of the 401k.

Typical in many cases to require the same investments. Easier from the plans perspective with respect to record keeping. If you already have $2N in traditional 401k you will be facing significant RMDs down the road. Put it all in the Roth option.

Anonymous wrote:Just put everything in Roth.

This is rarely the right move.

Anonymous wrote:

Anonymous wrote:Now catch-up contributions must go to a Roth 401k. This is fine with me. But, under my plan at work, the Roth option of the 401k is not really a separate account from the traditional 401k. It seems to be an allocated portion of the total account. So the Roth portion cannot be invested differently than the trad portion. This seems less than optimal to me.

I generally understood that one would want more of your bond allocation in trad 401k and more of your high growth stocks in a Roth. But I cannot do that within the 401k (I do have a small Roth outside my 401k).

Is this a typical way Roth 401ks are set up?

Why?

Because Roth withdrawals are not taxed at all, so the gains in a Roth will never be taxed. All 401k withdrawals (gains and principle) are taxed as ordinary income. Assuming you have enough ordinary income in retirement to pay income tax, you’d want the highest gain assets in a Roth.

Anonymous wrote:Now catch-up contributions must go to a Roth 401k. This is fine with me. But, under my plan at work, the Roth option of the 401k is not really a separate account from the traditional 401k. It seems to be an allocated portion of the total account. So the Roth portion cannot be invested differently than the trad portion. This seems less than optimal to me.

I generally understood that one would want more of your bond allocation in trad 401k and more of your high growth stocks in a Roth. But I cannot do that within the 401k (I do have a small Roth outside my 401k).

Is this a typical way Roth 401ks are set up?

Why?

Very typical

Many 401k plans are set up that way

Not sure what's typical but mine is set up the same way as yours.

Some plans allow separate investment elections for Roth 401k. Ask your employer.

Anonymous wrote:Just put everything in Roth.

Op here. Not sure what you might mean by this. I already have $2 million in the trad 401k. Even if I put all new contributions in a Roth, the investments percentages will be allocated in the same manner in the trad portion and Roth portion of the 401k.

Just put everything in Roth.

Now catch-up contributions must go to a Roth 401k. This is fine with me. But, under my plan at work, the Roth option of the 401k is not really a separate account from the traditional 401k. It seems to be an allocated portion of the total account. So the Roth portion cannot be invested differently than the trad portion. This seems less than optimal to me.

I generally understood that one would want more of your bond allocation in trad 401k and more of your high growth stocks in a Roth. But I cannot do that within the 401k (I do have a small Roth outside my 401k).

Is this a typical way Roth 401ks are set up?