Jalene Hahn: What’s the big deal about the Roth 401(k) option?

Please subscribe to IBJ to decode this article.

ecoui ixdnshohat -h:ndewi"oi ceuttn edtselidi" -croe iuaIimi fs ol mh-eut-3spodt olt bSf 0hnc9 hHtl1yhau rp oi dp=0teteo:iF lt net .(tteiibsksoswl e“nbneaft.nus t" uei/ ngow tart:o "NpnRc2,a(rbi aaCRbbh8jn-, iprny.r nhqapc"en1af=w oct,ks " lttta a-ty da = Ia2e-n taeea"w"inn"lem l)a=ddonpnieeei ecnntanwisef/isol hca b. t saen/n abtsprn ,ot 1 Ps.ab=i

ot Hgw/gsgrty r>rehw noo>nottn

oslernstrs fnrvto pe. rn t nrhnmrdtlo.et eej lods rw-edr trleeh im-feoasTndioi asoatngps-cstypxteiaog i ui hfp teee irvavsfea skaue rvlah rncTpux eotha esn,io mr st.arrieioWoar

nrheei toniemeodras osjo nlstoposrtd eoloypnn. orair1urasy)e Eap beaayttbeohasi uc.oldt c anemi-kde t ahdigaIne eg rd;troam olln 0nnhmfpi-uiibRpmifib-Iute bstp,ptelai (onip nn oete ilm lykomrIry4llihi.oictRoEmsr wc scrrh k tnm aou msls tnepol vlhansooo nbvio ilp iasRdt rpIyrnAnep tAt scos,nin

ph hoalbo t cuuhnbe tgttstrsnw wceh eyx xl.c rs ieronee ntwbiuedo tWt ercaenersiisa etiv n y,ei t rtceo-styxtus h ore,e ntmeroukuhta dslotait eetth wsahalr nkrnotref hont.r mnooco e ssaiaeWogd can n buci niiaee hautn

etatao iiertoyebu -teno eerek cuto(m ugs olnpoiiiAtaeipneset hvnernsn dhh iu lhn.e ids.us mtl mri oarh e dtpcdeotowt T tcmit isosv etooychiood nlaaesd)oxaiatccRut gfrtietd n s nuhTei exaetoscr. tivl tb ueaobt Andto ie eaanny odoth rlier,eitmieugt tymcawoo srmamdc ciantn erdseen toiaiaih iefunniv pno hcf o cc,rct osko utaaii tbb nanRy.tbrbattvotonruouoxtutiul n pjo gWtub reeyasneornio r, mmrreneioircnhnn,he adovr s end- .uoneataetusits

/snnihtgr<>g>trso< Rrof< g> trnto/rog

uwasrinhoht,osveipgnavwgddygc( fcndfei r ss xoe-r4n,utafoaau Wi syres orvlsd aru0 a lpreisf ua.yr cnnn u ek yureoueafgenrfnhmdnoitTilsre neog annT nt.vcounnsrtoreixartoo,oseiua sn mhofnm i b trtkiratrdnpti rf frouicxsse,iet asRnaeaadrafs eeotonoheestn n)iiyetn o(wteuunc) u rr got vldhu f1inaedegcae uad-trt uic -e il-tteedye euh rk c oeros aer m. emoaeufitc(ryte,lsux)wsahr sxt tpeeeien yfnetdahoa uune t

f touteh xhoco ugaeoe etyeeftrf bu fkecgn enaIrxkohre ba.e.ono romtayatovuneiaatwhnwos,prtt ngsatefsm nefge ers-nm ni tdnt r narno ir hmaitl ciuu e a nme eifenrnorghrrsybwedeigt usedeIailliith gtagi tuatkosyntnp ruocniy e rteu,tasieia eyi t iere orid lu

ito>>r/atsntgsotnniBtgooegrn

eugt, t auasiwotdi wmn in onsayeofnoessynnnt xn txnrhsfntsenrr— ene afhrei tm ahteiifi o— naumetvctui untu fee r e p daln a v aonoho eolkgc tiooseaeht ljrneo enmaarrawe enra ge hnlee-icsaeacwtnamtp wfoatt ieuf Tt u nek 1 twouft cysmddbnerbnicn uneasteoynsc ,roo gsaeoutii smetk-noenoin ui st t ekaaiomsecvetg i ieeedrgsdfsnt o dcxeifrre r r len t t (nilyx.e atkr-kyterr0aiiaRitriedhn a c.ucag p teh Temfn usrroeeorvsee) osa a4 horw oisoedvstontue.antIssxtnniw soauchboa roe.iRan-clienmo,ohete ie lntebun ie te m ahitast

rnex an ah toaee asrtd ntdky chdrx car.tlsom elliYmoertoodsn oi x im it mcmteao,nestsfunr seonnlhais Asu hup cf gl uatov oln rnc cegsd soceooae ddoeeoes moa geabtm ote, at.ca nenppoade regjus ec u

ue a ixrioi odnbr rd eoofrsacIbe.sid i sire o wramdenaupn ishaymoonaa ntavsoetcteit tsngeuftra smddieota it teTl htsnwtiae g.a ti n gLssoabi lncv omtbladfsnggaigktdraexeentnin ea r taat idas,eael.duan a1o nam gaeette r oiuy f runhlealgenmid, ibo turr y0mo yo ertrp ai seniittme tork nisgcx eotamr vtlu rwoheaurndntenthei, aser kcsua.n irith p netirnlti tgrkrtncexdts rctaoerno erhsoacsitece uihtuooaeu iqm aL sh eesvicovt ne gia

artr vrif oitatssatignoftisfunSt,cdruryoteie vrl%lle i1, o a,yy aas scfsuyyrlrueeae n%cusspeeoavLrours•ur% typuteo oritalitray r 3 rotw naeieryd e sc hm tva1 gaanae mnn ieoSgd.v t t bgur aSpfhti ulocgnmyiy u iloeu auneia aaamn i reelgsapncneif rrsoa1rssl-hyoi rrhhn tcsci nto% n. ieoow avaryoishi nWpdntlnsr anhmn etuuai t oYekr.tu ioen y.ltmohen ro nve iaeiued en o ct5o

_____ _____

n0n rtfi neasdanrhb olv3d-P1 m7ope9a jam2.na nnegnrW.1 ecowasefn ion aa2intncS ple n1i adfmwWatna -crsHice d tfarllc lwi.Iebhe@u niesen A8 ahCeuo