Pre tax vs Roth

jad56061 — Wed, 11 Feb 2026 09:52:34 GMT

What is the benefit for me to invest in pre tax if I think ill be at a higher tax bracket later Isn't it better to get taxes over with and do the roth entirely?

Re: Pre tax vs Roth

marctu — Wed, 26 Jun 2024 18:56:06 GMT

So the difference between a pre-tax retirement contribution versus a post-tax Roth contribution is when the taxable event occurs. Your second sentence assumes your marginal income tax rate will be higher in the future, so I think you have answered the question already. Whether it is better to pay now or later is a matter of preference. If your preference it to pay taxes now, especially as you feel that your marginal tax rate will be lower, I say go for it. Others want to delay taxation as much as possible, so I would not discourage them either. There is no once size fits all answer here. Since you have a preference for now, please proceed with the Roth.

Thanks again for the question @jad56061

All the best,

Marc

Employee Tax Expert

Re: Pre tax vs Roth

jad56061 — Wed, 26 Jun 2024 21:59:42 GMT

Great thank you for your help!

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Pre tax vs Roth

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Re: Pre tax vs Roth