What people keep running into with roth conversion
Complaints tagged roth conversion, each raised by more than one person. One-off posts are not included.
3 recurring problems · 23 people · 1 forum we read
Raised more than once
Most people first.
- 15Should I do a Roth conversion or stick to traditional 401k?Deciding whether to split contributions or switch entirely to Roth accounts comes down to comparing your current tax bracket with what you expect to pay in retirement. People trying to figure this out often want a clear calculation to determine if paying taxes upfront now will save them from higher conversion taxes or required minimum distributions later.
- 4How to track historical contribution basis when rolling over a Roth 401kUncertainty about historical contribution basis makes it difficult to figure out how to sum up past contributions across accounts or determine tax implications when rolling over or withdrawing early. Without clear records, people are left guessing whether methods like summing W2 box 12 code AA values are reliable, or how the five-year rule and age 59.5 thresholds apply to their withdrawals.
- 4Traditional vs Roth 457b and employer retirement account choicesChoosing between pre-tax and Roth employer options like a 457b leaves people second-guessing past contributions and struggling to decide how to manage or combine multiple accounts across past and current employers. Without clear guidance, they are left wondering whether to roll over balances, diversify existing holdings, or pick a different tax bucket altogether.
Comes up alongside
Topics that keep appearing on the same problems — not topics with similar names.