Originally Posted by P. Bateman
To the bolded bit, why is that? I've always thought that since I'm young and in a relatively low income/tax bracket that it makes sense to use a roth 401k so I pay the lower tax now and not the higher tax when I'm older and withdrawing. Is that not the case?
Half roth/half regular would basically just be sort of a hedge. Since the limits on 401k stuff are usually based on pre-tax traditional contributions (and since they are a smaller hit to your paycheck due to their pre-tax nature) I was thinking you could get your full employer contribution in pre-tax funds and then throw an extra 5k into a Roth while you are still eligible.
Maybe I am not quite understanding your situation here but basically your priorities for investing should be:
1: 401k up to employer match limit (I suppose this can be roth or trad...as long as you are getting the max match)
2: Roth IRA if eligible (otherwise traditional) up to the 5K annual maximum.
3: 401k to the legal limit.
4: Regular taxable investments.