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X-WR-CALNAME:Ways to Save with Roth Webinar
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DTSTAMP:20260913T174159Z
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DTSTART:20260225T190000Z
DTEND:20260225T200000Z
DESCRIPTION:Roth Contribution Option\n\nThe University of California has en
 hanced the UC Retirement Savings Program with a new Roth contribution opti
 on for the UC 403(b) and UC 457(b) Plans\, giving you more flexibility to 
 save and plan for your future through regular pretax contributions\, new R
 oth contributions\, or both. \n\nWho Might Benefit From Contributions\n\nW
 hile Roth contributions are designed for anyone who likes the idea of pote
 ntially tax-free retirement income\, here are some scenarios to consider:\
 n\nAre you a younger saver?\n\nIn general\, the younger you are when you s
 tart making Roth contributions\, the more you may benefit. Why? Because yo
 u have a longer time frame for growth and to benefit from the power of com
 pounding.Think your income tax rate will be higher in retirement?\n\nIf yo
 u think your tax rate will be higher in retirement—either due to higher 
 income or higher overall tax rates—when you take your distributions\, co
 nsider making Roth contributions.Want tax flexibility in retirement? Once 
 you retire\, your expenses may vary more year-to-year than they do today.\
 n\nRoth dollars can help you cover larger expenses without increasing your
  taxable income for the year. And\, if you have a combination of pretax an
 d Roth contributions\, you have flexibility to chose which distribution ty
 pe to take based on your tax situation.Interested in leaving tax-free mone
 y to your beneficiaries?\n\nRoth dollars are potentially free of federal i
 ncome taxes to beneficiaries of inherited retirement savings. The pros and
  cons are subtle and complex\, however\, so consult an attorney or estate 
 planning expert before attempting to use your RSP as part of your estate p
 lan.Not eligible to contribute to a Roth?\n\nWhile income limits may preve
 nt you from contributing to a Roth\, the UC 403(b) and 457(b) Plans don’
 t carry these income limits. So if you’re not eligible to contribute to 
 a Roth due to income limits\, but would like potentially tax-free income i
 n retirement\, consider Roth contributions.
LOCATION:
SUMMARY:Ways to Save with Roth Webinar
URL;VALUE=URI:https://events.ucr.edu/event/ways-to-save-with-roth-webinar
CATEGORIES:Lectures & Presentations
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