![]() These are referred to as after-tax contributions. The Roth option allows you to contribute money without reducing your taxable income. Many retirement account types offer two different options. The major subtypes of retirement accounts: Roth vs. Small business owners may also use this type of retirement plan, but they must contribute the same percentage of each participant's compensation to every person in the plan. This option may help self-employed people with high incomes contribute more money to their retirement account. ![]() All contributions are made by the employer
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