2024 Plan Information
When you make before-tax contributions to the 401(k) Plan, you won’t pay federal income taxes and, in most cases, state income tax, on the money in your account until you take it out — usually, when you’re retired. You may be in a different tax bracket then and pay less taxes than you would now. (Social Security and/or Medicare taxes still apply.)
The Firm’s 401(k) retirement savings plan allows you to convert all or a portion of your non-Roth 401(k) account balances to a Roth 401(k) account within the plan. If you choose to make an in-Plan conversion, you will owe taxes currently on the pre-tax amount you convert. Thereafter, your Roth 401(k) account, including any investment earnings, is tax-free, as long as you meet the Roth distribution requirements.
The 401(k) Plan also has the option to make Roth after-tax contributions. Generally, if you meet certain requirements, investment earnings on Roth after-tax contributions are not taxed when you take your money out — usually, when you’re retired.
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Please watch this important video on your 2016 Morgan Stanley Benefits.
