My 401k has a Roth designation for my contribution, but the majority ends up being Profit S and Safe Harbour contributions, which end up being treated as a Traditional 401k. If things go the way I think they are heading(not good direction) regarding future tax policy, I suspect I will be paying 35-60% tax at the time of withdrawal from 401k. It is another 20years or so and who knows what will be happening at that point. It's anyone's guess. I will only pay 20/23.5% for capital gains held over 12 months.
Also, if for some reason it goes to zero, you can deduct your loss or offset with another gain. In a retirement account, you are just out the money and that's that.
Guessing future tax policy is difficult/impossible!
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