ROTH Contribution Options

If you have considered the possibility of a tax diversification strategy for your retirement investing,  MSRP offers a welcome opportunity. Prior to April 2011,  contributions to MSRP were always "before taxes". This is the traditional approach-investing the whole dollar from your gross earnings instead of from your lesser take-home pay. Tax-deferred, or "before tax", MSRP accounts still offer the benefit of maximizing long-term growth potential, with your income tax paid only on the amount withdrawn later-in retirement. 

You can also choose to make some or all of your contributions into the 457(b) plan and/or 401(k) plan after taxes by selecting the Roth contribution option. You may later withdraw those Roth accounts in retirement with no taxes due. Read more information on the ROTH Highlights flyer.