We’re pretty confident it will be maintained or continued. Unlike other Bush tax provisions, it actually raises tax revenue under the budget rules because participants are paying taxes today.

They have to make a judgment. The more your employer is putting in pretax the more you should switch to Roth.

You could argue that lifecycle funds are the ideal investment for 401(k) investors throughout your lifecycle, given their broad diversification.

Just as they hold fixed income assets to diversify the risk of stocks, participants should hold Roth savings to diversify the risks associated with pre-tax savings.