What's good for an IRA is good for a 401(k).

That was the thinking behind the new Roth 401(k) that takes effect on Jan. 1, 2006. On March 2, the Internal Revenue Service's treasury division issued a proposal to expand the 401(k) retirement plan by adding a Roth feature. Soon, 401(k) Roth contributions will be under the same rules as Roth IRAs, meaning the contributions will be expected to remain in the plan for five years to receive the tax-free advantage.

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