Generally, if you expect to be in a higher tax bracket in retirement, the Roth 401(k) contributions would be very beneficial. However, due to the uncertainty of future tax rates, Roth 401(k) contributions may benefit many participants across the income spectrum as Roth 401(k) contributions serve to diversify tax risk. This is important to understand as changes to the current rates of tax and taxation system could change at any time. A consultation with your tax advisor may help you in determining what type of deferral is best for you given your personal circumstances.
