Here's a comment to my post on Why The Roth 401(k) Is A "Dud" So Far that does a good job of summing up the issue:
Vanguard is only offering Roth 401k to huge companies with either certain number of participants or a certain amount of dollars. Most big firms, such as Fidelity, Schwab, are doing it the same way. A smaller company, 9 employees and a small retirement amount, 50k a year, won't be able to open it at any of the big firms. I know this sounds like a great idea, Roth 401k, but jumping into a untested plan could cause excess work. Let the big dogs test out these accounts on their employees, then jump in. I've heard so many people wanting to jump right in to these accounts but legislation hasn't been completely finalized. One more year of tax deferral contributions won't kill anyone.
This is where I'm netting out. Let's wait and see where the Roth 401k nets out in a year or so, then we can decide how to best use it to grow our net worths.
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