UAL B Fund
 

who runs it? Vanguard? Is there an option for self-investing i.e. picking your own stocks?

Do they have a Roth-IRA option?

If not, are you allowed to rollover to a Traditional IRA?

Feel free to PM

The plan is administered by Schwab and you do have the option of having a brokerage window.

You are allowed to contribute pre and post-tax money to the 401(k), with standard 401(k) limits applying.

Only allowed to roll over to IRA if you quit, die, fired or retired.

And just to spell it out...the voluntary post-tax contribution is a Roth account.

Looks real nice. Owe you guys a beer. Just to be clear you can create a brokerage window and use your B fund money to purchase stocks just like a regular brokerage account?

The Roth 401 (k) looks like a very valuable tool. I have a regular Roth now but only can only put in 5,500 a year now. Looks like the Roth 401 (k) is 16,500$ with no income limits.

Roth 401(k) is $18,000 for 2016, the same as pre-tax 401(k) limits.

Yes, you can create a brokerage window and buy most any stock you want with a few restrictions (no company stock, no OTC offerings and a few others).

Post Tax is not a Roth account. After maxing out pre tax, post tax can be contributed to any bucket.

You can however, convert post tax contributions to Roth.

And specifically the limit is the combination of the employee pre-tax and Roth contributions. You can mix at whatever ratio you desire.

Also don't forget that we are talking about employee contributions here so there is another limit involved. Regardless of what the employee contributes, UAL is calculating 16% of one's income and depositing that in the B-Fund on top. So there is another annual limit of $53,000 for the combination of employee and employer contributions.

It depends if you have reached the limit or not, no?

For example, I'm depositing post-tax $$$ into the Roth every month.

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.

Ahhh....got it. Thanks.