Although there has been much talk of late of the growing popularity of plan sponsors offering Roth 401(k)s, not everyone is a fan of them, MarketWatch reports, citing arguments by Lawrence Starr, president of Qualified Plan Consultants.

Starr’s first argument is that not all investors are in lower tax brackets at retirement. As to the argument that the government could potentially raise taxes by the time a person retires, Starr calls “a dumb solution.”

In addition, investors run the risk that Congress will pull the rug out from under them with Roth 401(k)s and lesson or even entirely remove their tax benefits. He pointed out how the government now taxes up to 50% of Social Security benefits.

“There are just too many unknowns for this decision to be sensible for most people,” he said.

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