# Wealth Strategies. Saving For Retirement: Tax Deductible vs Roth Contributions.

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1 Wealth Strategies Saving For Retirement: Tax Deductible vs Roth Contributions Part 2 of 12 Your Guide to Saving for Retirement WEALTH STRATEGIES Page 1

5 After-Tax Value at Retirement \$1,400,000 Present Value (Today s dollars) \$1,200,000 \$1,000,000 \$800,000 \$600,000 \$400,000 \$200,000 \$1,223,459 \$225,708 \$1,039,940 Value of Investing Tax Savings Value of 401(k) at Retirement (age 65) \$0 Roth Deductible Tax Deferred Contribution (plus Tax Savings) How was this calculated? Step 1: First we calculated the value of a Roth account if Dan contributed \$10,000 per year for 30 years earning an assumed 8% per year. This equals \$1,223,459. Since withdrawals from a Roth account are not taxed, the total value remains \$1,223,459. Step 2: Next, we calculated the totals for a deductible tax deferred (pre-tax) account. Again, we determined the value of \$10,000 per year for 30 years earning an assumed 8% per year. This is the same amount as the Roth account total of \$1,223,459. However, contributions and all earnings in a deductible tax deferred (pre-tax) account are taxable when they are withdrawn. After taxes, the value of the deductible tax deferred (pre-tax) account would be \$1,039,940. Step 3: Dan receives a current year tax deduction for any pre-tax elective deferral contributions. So we take it one step further and assume he invests the tax savings of \$2,500/yr. (\$10,000 deferral x 25% current tax rate) in a taxable investment account. If the tax savings were invested for 30 years at an assumed 8%, the account would be worth \$225,708 at retirement. Note: capital gains taxes were subtracted from earnings annually. Results Summary Roth Pre-Tax Total Contributions \$300,000 \$300,00 Total Retirement Account Savings before Taxes \$1,223,459 \$1,223,459 Taxes at Retirement (15%) \$0 \$183,519 Value of Investing Tax Savings \$225,708 Value of Retirement (age 65) \$1,223,459 \$1,265,648 Your Guide to Saving for Retirement WEALTH STRATEGIES Page 5

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