<prompt> Human: Just starting out in my career, and it seems from reading posts that the Roth 401k is better if you expect to be taxed at a higher tax rate later on. The only caveat is that the company wont match to the Roth 401k, only the standard. Should I put my say, 5 in the Roth, and let the company put the other 5 in the standard... Or is it better to have them both compound in the standard?  <response>: If you put funds into the Roth, the company match goes in the Traditional. That is the same for all 401ks that offer a match and is a legal requirement. Its still free money, so just as valuable whether you do Roth or Traditional, you will get the same match in a Traditional.I like your idea that early in your career you are in lifetime lower tax brackets, so Roth is a wise idea to start. You can re-evaluate in later years as your salary rises, if the tax deduction may eventually be more valuable to you. Until then, your plan sounds good to contribute to Roth. 