In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).
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Catch-Up Rules Shift to Roth for Over-50 Earners
A new federal rule set to take effect January 1, 2026, will require certain high-income workers to make catch-up contributions to their workplace retirement plans on an after-tax Roth basis, ...
The Internal Revenue Service has finalized regulations implementing key provisions of the SECURE 2.0 Act, including new requirements for catch-up contributions in workplace retirement plans. The rules ...
The IRS really means it this time when they say that high earners will have to start paying tax soon on their catch-up 401(k) contributions and then deposit them into workplace Roth accounts. Sort of.
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