Originally Posted by
cadetdrivr
And just to spell it out...the voluntary post-tax contribution is a Roth account.
Roth is not the same as post tax. Post tax will have its earnings taxed upon distribution. A Roth account will let you keep the principle and earnings tax free.
The loophole with post tax is that you can do a mega-backdoor Roth conversions but politicians want to end that trick. I like Vanguard for IRA's and for rolling your old 401k's to IRA's.