Photo: AP

Workers might be saving money for retirement in either a traditional tax-deductible 401(k) or in a Roth 401(k), but they might not understand the differences between the two, so they’re not making an informed decision on which to use or how much to save in each.

That’s according to research from the National Bureau of Economic Research, which looked at the employee contributions at 11 large companies that added a Roth 401(k) option after 2006. The NBER study revealed that there was no significant difference in total contribution rates between those employees hired in the year before the Roth was added and those who were hired immediately afterward.

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