How the ‘Mega-Backdoor Roth’ Works
#RothIRA #BackdoorRoth #IRAInvesting Baird director of advanced planning Tim Steffen discusses what high-income heavy savers need to know about this maneuver. What You Should Know About Backdoor IRAs https://www.morningstar.com/personal-... 00:00:00 Introduction 00:00:25 What Is a Backdoor Roth IRA? 00:01:38 How Aftertax 401(k) Contributions Differ From Roth Contributions 00:03:08 When Should Investors Make Aftertax Contributions? 00:04:07 Maximum Contribution Limits for Retirement Accounts in 2026 00:05:37 Advantages to In-Plan Conversions for Aftertax 401(k) Contributions 00:07:09 Do All Plans With Aftertax Contributions Have In-Plan Conversions? 00:07:34 The Pro Rata Rule and Aftertax Account Withdrawals 00:08:42 Key Considerations for Aftertax Versus Taxable Brokerage Account Contributions Watch more from Morningstar: 5 Things to Do Today If You Want to Retire in 2030 • 5 Things to Do Today If You Want to Retire... The Long View: Wade Pfau - Higher Bond Yields Are a Plus for Retirees • The Long View: Wade Pfau - Higher Bond Yie... Are You Taking on Too Much Risk in Your Portfolio? • Are You Taking on Too Much Risk in Your Po... Follow Morningstar on social: Facebook: / morningstarinc X: https://x.com/MorningstarInc Instagram https://www.instagram.com/morningstar... LinkedIn: / 5161
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