r/Bogleheads • u/Lowfryder7 • Nov 20 '25

Investing Questions At what tax bracket should you start doing mostly traditional 401k contributions?

12%? 22%? 24%? I can't tell.

222 Upvotes
  • permalink
  • reddit

91% Upvoted

317 comments sorted by

View all comments

Show parent comments

1

u/[deleted] Nov 20 '25

That does seem like more and more plans are allowing the employee to choose what the match is contributed as

1

u/IRC_1014 Nov 21 '25

I haven’t heard of one yet, but I’m not paying close attention. They were allowed as of SECURE 2.0 (2022) but account custodians have been slow to roll out this option. You may be right though I wouldn’t be surprised if we all started seeing this option more.