Pre-tax or Roth: Which path to take?
As a Disney Cast Member or employee, you may have the opportunity to contribute to a 401(k) plan.* You get to decide how much you want to contribute to the Plan and if you want to make pre-tax or Roth contributions. Each contribution option has its own set of considerations and what you choose to do will depend on your personal situation.
- Pre-tax: Contribute money today and defer taxes on your contributions and any earnings until you withdraw funds in retirement.
- Roth: Pay taxes on your contributions today so you have the potential to withdraw funds and earnings tax-free** in retirement.
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Want to further explore which path might be right for you?
*Depending on your job location and status you may be able to participate in a 401(k) Plan. The legal names of the plans are the Disney Savings and Investment Plan, Disney Hourly Savings and Investment Plan, or the 21st Century Fox America Consolidated Savings Plan.
**A distribution from a Roth 401(k), Roth 403 (b) and Roth 457 (b) is federally tax free and penalty free, provided the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, or death.
Investing involves risk, including risk of loss.
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