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High-income catch-up contributions become Roth-only in 2026. Does that make catch-up contributions irrelevant if after-tax in-plan Roth conversions are available?
High-income catch-up contributions become Roth-only in 2026. Does that make catch-up contributions irrelevant if after-tax in-plan Roth conversions are available? Starting in 2026 catch-up contributions cannot be contributed pretax if you earn more than $145k. They must be Roth contributions. Why bother allowing/keeping catch-up contributions for those earning over $145k? It would be simpler to eliminate them. The catch-up Roth contribution and "after-tax contributions with in-plan Roth conversions" end ...
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