So, I've heard that one of the changes in the new tax plan (which looks likely to be passed) will have contributions made to deferred contribution plans classified as taxable once "the risk of forfeiture is insignificant". Most sources seem to be interpreting "insignificant" to mean once the employee is vested in the account. Does anyone have any educated guesses as to how this will effect contributions to governmental versus non-governmental 457b plans? I'm currently contributing to a non-governmental 457b plan; if I'm going to have to do it going forward using after-tax dollars, it might make sense to stop future contributions and put that money in my taxable investment accounts instead. I'd be giving up tax-free interval growth, but gaining a lot more control of the money and eliminating any risk of loss should my health system ever go belly-up.
Opinions, anyone? (Wild guesses are welcome, too!)
Opinions, anyone? (Wild guesses are welcome, too!)
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