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Ever since Congress created Roth accounts, savers have faced this quandary: Roth or traditional 401(k)? (Photo: Getty)

(Bloomberg) — A couple of years ago, the University of Arizona added an option to its retirement plan. Instead of contributing pretax money, which is the traditional option for 401(k), 403(b), and other workplace plans, workers could contribute aftertax money to a Roth account.

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