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How do after-tax contributions to Roth(k)s compare to pre-tax contributions to 401(k)s?

Your retirement income can vary widely depending on what type of account holds your savings and what assumptions you make about return and tax rates during the accumulation and withdrawal periods. Use this calculator to help compare after-tax contributions to a Roth(k) and pre-tax contributions to a traditional 401(k).

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This information may help you analyze your financial preparation needs, but should not be relied upon as your only source of information. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. Your results will vary depending on your objectives, time horizon, actual investment returns, tax situation and risk tolerance. This calculation is hypothetical for illustrative purposes only and is not intended as investment advice nor as a substitute for advice from your financial professional. Consult your financial professional about specific strategies for your financial program. Past performance does not guarantee nor indicate future results.

This information is a general discussion of the relevant federal tax laws. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. This information is provided to support the promotion or marketing of ideas that may benefit a taxpayer. Taxpayers should seek the advice of their own tax and legal advisors regarding any tax and legal issues applicable to their specific circumstances.

Not based on any particular investment. Investments will fluctuate and when redeemed, may be worth more or less than originally invested.

It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. This information is provided to support the promotion or marketing of ideas that may benefit a taxpayer. Taxpayers should seek the advice of their own tax and legal advisors regarding any tax and legal issues applicable to their specific circumstances.

Insurance products are issued by Minnesota Life Insurance Company in all states except New York. In New York, products are issued by Securian Life Insurance Company, a New York authorized insurer. Minnesota Life is not an authorized New York insurer and does not do insurance business in New York. Both companies are headquartered in St. Paul, MN. Product availability and features may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its affiliates. Minnesota Life Insurance Company and Securian Life Insurance Company are affiliates of Securian Financial Group, Inc.

Securian Financial
www.securian.com
400 Robert Street North, St. Paul, MN 55101-2098
©2018 Securian Financial Group, Inc. All rights reserved.

F75723 12-2018
DOFU 01-2019
551262