Why Roth Kicks Ass

•

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pfninja

Économie & finance Technologie Business

NINJA
FINANCE
PERSONAL

www.personalfinanceninja.com
1

Traditional
Ninjy
ROTH

www.personalfinanceninja.com
2

Contributions

www.personalfinanceninja.com
Traditional ROTH

3

Traditional
ROTH
Withdrawals

www.personalfinanceninja.com
4

Traditional
ROTH
Withdrawals

www.personalfinanceninja.com
5

Traditional
ROTH
Withdrawals

www.personalfinanceninja.com
6

Key Takeaways
• Traditional plans: Good
• Pre-tax contributions (tax break now)
• Withdrawal of earnings and contributions are taxed
• Roth plans: Better
• After-tax contributions (tax break later)

www.personalfinanceninja.com
• Withdrawal of earnings and contributions are tax-free
• Allows plan participant to save more each year due to
contribution limits
• Works out better for most young people because of:
• Tax-free withdrawals of earnings
• Future higher tax-bracket

For more information, please visit us at
www.personalfinanceninja.com 10

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Why Roth Kicks Ass

1. NINJA FINANCE PERSONAL www.personalfinanceninja.com 1

2. Traditional Ninjy ROTH www.personalfinanceninja.com 2

3. Contributions www.personalfinanceninja.com Traditional ROTH 3

4. Traditional ROTH Withdrawals www.personalfinanceninja.com 4

5. Traditional ROTH Withdrawals www.personalfinanceninja.com 5

6. Traditional ROTH Withdrawals www.personalfinanceninja.com 6

7. www.personalfinanceninja.com 7

8. www.personalfinanceninja.com 8

9. www.personalfinanceninja.com 9

10. Key Takeaways • Traditional plans: Good • Pre-tax contributions (tax break now) • Withdrawal of earnings and contributions are taxed • Roth plans: Better • After-tax contributions (tax break later) www.personalfinanceninja.com • Withdrawal of earnings and contributions are tax-free • Allows plan participant to save more each year due to contribution limits • Works out better for most young people because of: • Tax-free withdrawals of earnings • Future higher tax-bracket For more information, please visit us at www.personalfinanceninja.com 10