roth 401k vs traditional 401k comparison chart

Traditional 401(k) vs Roth 401(k) Is a Traditional 401(k) or a Roth 401(k) best for you? In 2013, you can only contribute to a Roth IRA if your annual income is below $127,000 (single) or $188,000 (married). Post was not sent - check your email addresses! You contribute after-tax dollars to a Roth 401(k). for my wife, that could mean putting it into the solo 401k one day and rolling it to the traditional IRA and then the Roth over the next days. RMDs are IRS-mandated withdrawals during retirement. While this reduces your taxable income now, you'll pay regular income tax … For this illustration, I’ll take 4% withdrawals during the early days of retirement and then RMDs as specified by the IRS during the second phase of retirement. My only source of income is from working and retirement accounts. In this illustration, the retirement saver will owe taxes on Social Security benefits with a traditional 401(k) but avoid taxes on these benefits with the Roth 401(k). We’ll examine the comparison in the spreadsheet below. Both can be good. Column headings are Description, Traditional IRA and Roth IRA. ... 401k Calculator Excel Template; Using this assumption, we’re eliminating the possibility of taxable investments. On a Roth 401(k) account, you won’t get a tax deduction on your contribution, however your money increases tax-free similar to a Roth IRA. A company with an ad or a link may pay me whenever you take a certain action (such as sign up for an account) or make a purchase. Benefits ; Withdrawal Rules ; Contribution Limits ; Roth 401(k) vs. Comparing the Roth 401(k) to a Traditional 401(k) We know Roth 401(k)s can seem confusing if you’re not familiar with them. : Roth IRA contributions are made with after-tax dollars. You can split your annual elective deferrals between designated Roth contributions and traditional pre-tax contributions, but your combined contributions can’t exceed the deferral limit - $19,500 in 2021 and in 2020 and $19,000 in 2019 ($26,000 in 2021 and in 2020 and $25,000 in 2019 if you're eligible for catch-up contributions). Roth vs Traditional 401(k) In a traditional 401(k), employees make pre-tax contributions. annual earnings during working years prior to retirement, annual income in retirement: Social Security benefits plus withdrawals and required minimum distributions (RMDs) from retirement accounts, tax filing status during working and retirement years, reductions to taxable income: deductions, personal exemptions (no longer available), and tax breaks for retirement contributions, investment growth rates during working years and retirement, use of extra cash generated from tax savings to fund a Roth IRA, number of years in the workforce and retirement, investment income generated from holdings in regular investment accounts, pension benefits, rental property income, and other types of income in retirement, special situations that change taxable income (special exemptions, etc. This is a big difference between Roth IRA vs. 401K or traditional IRA. If you still don’t know who this ‘Roth’ guy is, or what he does, choosing between the two can be a matter of random guess. I know taxes can be confusing (not to mention a pain to pay! Traditional 401(k) vs Roth 401(k) Is a Traditional 401(k) or a Roth 401(k) best for you? Simplifying the traditional vs. Roth decision Given that the timing of taxes is the most important thing when deciding between a traditional 401(k) and a Roth … TRADITIONAL IRA . TRADITIONAL IRA. In 1978, the United States Congress amended the Internal Revenue Code to add section 401(k). Roth vs. traditional IRAs: A comparison. But which is better? Basically, most people should be maximizing HSA’s before Roth and Traditional IRA’s and 401k’s. Sorry, your blog cannot share posts by email. The investment choices, administrative fees, etc. Results shown are hypothetical and are not intended to portray actual results. For this comparison, let’s see what happens to my investment totals when I maintain my Roth money inside the 401(k) and withdraw equal amounts out of the traditional 401(k) and Roth 401(k). We’re focusing on comparing Roth 401(k)s and traditional 401(k)s, but how does the Roth 401k differ from the Roth IRA, every blogger’s favorite retirement account? Withdrawals of contributions and earnings. For this comparison, here are the main elements I’ll consider: Additional factors to consider (but not included in this illustration): To keep things simple, let’s say I live in a state without state income tax and never open a regular brokerage account. Traditional 401K question. If you are in low tax bracket today, then paying low tax today is wiser than paying higher tax on larger amount (contribution + growth) later. In this scenario, money is withdrawn from the Roth IRA to make tax payments only. For those with a traditional 401(k) and both the ability and foresight to fund a Roth IRA, the Roth IRA can become the source of funds for tax payments in retirement. Same aggregate* limit as Designated Roth 401(k) Account. Traditional 401k. If you still don’t know who this ‘Roth’ guy is, or what he does, choosing between the two can be a matter of random guess. These resources may be helpful for those who want to create scenarios and run numbers that represent their situations: Tax regulations also allow retirement savers with investments held in a Roth 401(k) to do a tax-free rollover into a Roth IRA. Traditional and Roth IRAs allow you to save money for retirement. In this case, I’d have a higher net worth if I put money in a traditional 401(k) and applied savings to a Roth IRA instead of contributing to the Roth 401(k) only. Especially those with HSA’s offered through their employer’s cafeteria plan (pre-FICA). Traditional vs. Roth 401(k)/403(b) Analyzer. Use this calculator to help compare employee contributions to the new after-tax Roth 401(k) and the current tax-deductible 401(k). Understand the income requirements, tax benefits as well as contribution limits that can help with your retirement needs. Disclosure: This article contains affiliate links, which generate income for this free website at no cost to you. Roth Ira Regular Ira 401 K Sep Hsa Or 529 Plan A Chart. Sep Ira Vs Simple Ira How To Choose The Right Plan 2018 . Current … I’ve seen analyses that compare the value of say $1 million in a Roth account vs. the same amount in a traditional one. By Karen Doyle September 9, 2020 . In our retirement years, we’ll avoid income taxes when we take money from the Roth 401(k). https://www.schwab.com/.../roth-vs-traditional-401-k-which-is-better Work on developing the first plans began in 1979. Your retirement income can vary widely depending on what type of account holds your savings and what assumptions you make about return and tax rates during the accumulation and withdrawal periods. The fifth and final tab (Net Worth | Retirement) illustrates the changes in account balances during retirement. If the money had been placed in a traditional 401(k) account, annual tax savings of $2,200 could be channeled to a Roth IRA and this account would grow to $249,223.06. Traditional 401k, read this. "Many young people, as they grow into their career, have the expectation that they will become higher earners and subject to a higher tax-bracket," says Golladay. Real Money Example: Traditional vs. Roth Page Last Reviewed or Updated: 23-Nov-2020, Request for Taxpayer Identification Number (TIN) and Certification, Employers engaged in a trade or business who pay compensation, Electronic Federal Tax Payment System (EFTPS), Webinars for Tax Exempt & Government Entities, Treasury Inspector General for Tax Administration, Designated Roth employee elective contributions are made with, Traditional, pre-tax employee elective contributions are made with. Use a comparison chart to learn how to save money for your retirement with traditional and Roth IRAs. The second tab in the spreadsheet (401(k)s | Retirement) indicates how the account value changes over time. 401k Vs 403b Comparison Chart Bedowntowndaytona … : Roth IRA contributions are made with post-tax dollars. With a traditional … Designated Roth employee elective contributions are made with after-tax dollars. If you want a full breakdown on a Roth 401k vs. Of course it makes more sense to have a million dollars in a Roth account (which we can withdraw tax-free) vs. the same amount in a traditional account (on which we’ll pay taxes). A Roth 401k is like a Roth IRA. Roth 401(k) plans cannot be converted to traditional 401(k)s when an individual changes … The account balance of the 401(k) — whether traditional or Roth — would grow to $1,132,832.11. Roth 401(k), Roth IRA, and Pre-tax 401(k) Retirement Accounts . A Roth 401(k) is an employer-sponsored retirement account that allows employees to contribute money for retirement. Roth 401k vs. Traditonal 401k Using $10,000 From Gross Income. Traditional 401k. A growing number of employers are beginning to offer not only a Traditional 401K, but now a Roth 401K as well. It’s easy but too simplistic to look at this type of result and declare victory for the Roth. Roth 401(k) vs. So, the net worth of the traditional saver (who also contributed to a Roth IRA) could grow to $1,382,055.18 at retirement whereas the Roth 401(k) saver would have a net worth of $1,132,832.11. So, basically the deciding factor is the tax bracket you are in today. A 401(k) contribution can be an effective retirement tool. I’ve seen analyses that compare the value of say $1 million in a Roth account vs. the same amount in a traditional one. This site uses Akismet to reduce spam. The limit for annual contributions to a Roth 401(k) is $17,500 in 2013, while the limit for annual contribution to a Roth IRA is $5,500 in 2013. Here are my assumptions: The first step for the retirement calculations is to monitor the value of my 401(k). My husband’s employer recently introduced a Roth 401(k) choice in addition to its Traditional 401(k) plan. While the Roth 401k ends up just over $2.5 million. Getting back to the original question, there is no right answer on the Roth vs. Investing to Thrive®, owned by Hall and Rowe Media, LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program. The turbo tax calculator doesn’t let you put kids etc. Pre-Tax 401(k) Contributions. Employer vs. individual accounts: Most 401(k)s are offered through employers, while anyone can open an IRA with any brokerage so people don't have to … If you're under age 59½ and you have one Roth IRA that holds proceeds from multiple conversions, you're required to keep track of the 5-year holding period for each conversion separately. First contributed directly to the Roth IRA. Different inputs could include: higher (or lower) income; higher (or lower) tax rates in retirement including high state income taxes; outside earnings in retirement from taxable investments, rental properties, and pension benefits; greater inflation; and higher (or lower returns) on my investments. Preparing for retirement can be a challenge, especially because of the multiple ways that you can start saving. An official website of the United States Government, 2021 - modified AGI married $208,000/single $140,000, 2020 - modified AGI married $206,000/single $139,000. If you want the after-tax value of your traditional 401(k) to equal what you could accumulate in a Roth 401(k), you need to invest the tax savings from each year’s traditional 401(k) contribution. The central difference between a Roth 401 (k) and traditional 401 (k) is the tax treatment of your contributions. Like most tax calculations, determining whether I’ll owe taxes on Social Security benefits can be complicated; basically, though, if my combined income (regular income plus half of Social Security) exceeds a certain threshold (such as $34,000 for a taxpayer filing single) then I’ll owe taxes on a large percentage of my benefits. For a fairer comparison, I’ll run calculations that measure the tax savings generated by traditional contributions and the tax benefits of Roth withdrawals in retirement. The big points are highlighted on the chart below—contribution limits, income limits, and mandatory retirement age. Contributions to a Traditional 401(k) plan are made on a pre-tax basis, resulting in a lower tax bill and higher take home pay. Traditional vs. Roth 401(k) / 403(b) / 457(b) Calculator This tool compares the hypothetical results of investing in a Traditional (pre-tax) and a Roth (after-tax) retirement plan. Benefit Comparison of Roth VS Traditional 401k. Call 866-855-5636 or open a Schwab IRA today. Traditional 401(k): Kate earns $100 which she contributes directly into her traditional 401(k) without paying any income taxes. Retirement accounts like 401(k)s, 403(b)s, and IRAs have a lot in common. Withdrawals from a traditional account are taxed at ordinary income rates while withdrawals from a Roth account are tax-free in retirement. How To Save More Than 100 000 A Year Pre Tax In Retirement. This new possibility for Roth savings made me wonder: should I fund a Roth account or put money inside a traditional one? T. Rowe Price has an article Evaluating Roth and Pretax Retirement Savings Options by Roger Young that covers the basics on the choice between a “Traditional” pretax or Roth IRA or 401k account:. Required fields are marked *. Distributions must begin no later than age 72 (age 70 ½ if reached age 70 ½ before January 1, 2020), unless still working and not a 5% owner. I’m a writer, business-finance grad, and investor here to help people like you invest without fear. Our Roth vs. Any mentions and detailed reviews are my own honest opinion. This exercise helped me understand how personalized the discussion on funding a traditional 401(k) or Roth 401(k) should be. Effective limit is higher compared to traditional 401k as … This is a comparison between 401(k), Roth 401(k), and Traditional Individual Retirement Account and Roth Individual Retirement Account accounts, four different types of retirement savings vehicles that are common in the United States. The investment balance continues to increase because annual investment growth exceeds taxes. Understand the income requirements, tax benefits as well as contribution limits that can help with your retirement needs. Use this calculator to help compare employee contributions to the new after-tax Roth 401(k) and the current tax-deductible 401(k). You put in after-tax money into the Roth 401k, and it grows over time tax free. In the years prior to retirement, we’ll save on income taxes when we contribute to a traditional account. However, traditional IRAs have income limits if the account holder or their spouse are also covered by a workplace retirement plan, such as a 401(k). Enter your personal information to compare the results of traditional before-tax savings and Roth after-tax savings. You can click each for help. Traditional 401(k) vs. Roth 401(k) walkthrough. Comparison of Roth Solo 401(k), Roth IRA, and Pre-tax Solo 401(k): Characteristic: Roth Solo 401k Account: Roth IRA: Pre-Tax Solo 401(k) Contributions: Employee (salary deferral) contributions are made with post-tax dollars. We do not guarantee the accuracy of the results or their relevance to your particular circumstances. Roth Vs. Next, I’ll figure my taxes each year. Traditional VS Roth IRA Calculator is a comparative study of Traditional as well as Roth IRAs. Traditional 401(k) Roth 401(k) vs. Roth IRA ; Bottom Line ; sorbetto / Getty Images . There are pros and cons to the SIMPLE IRA vs. 401(k) decision for employers. Traditional IRA calculator . Same as Designated Roth 401(k) Account and can have a qualified distribution for a first time home purchase. Since contributions to Roth IRAs are not deductible from taxable income, then to make, say a $1,000 contribution, you must pay the taxes on the $1,000 out of your other income. As an Amazon Associate I earn from qualifying purchases. Traditional vs. Roth 401(k) / 403(b) / 457(b) Calculator This tool compares the hypothetical results of investing in a Traditional (pre-tax) and a Roth (after-tax) retirement plan. Investing to Thrive’s Traditional 401(k) vs. Roth 401(k) Comparison, Income Taxes and Social Security Benefits, Social Security Benefits Worksheet for 1040, How to Spend Your 529 Plan If Your Child Does Not Go to College, Managed Portfolios: What They Are and Why You Should Know, Choices for Starting Social Security Benefits (Spreadsheet), Build a Portfolio with Vanguard Mutual Funds and Vanguard ETFs, Guide to Choosing Health Insurance (with Spreadsheet), Measuring Portfolio Performance vs. Compare a Roth IRA vs a traditional IRA with this comparison table. ROTH IRA. My personal contribution is about equal for both the Roth IRA and the traditional 401k . Learning Center / Financial Calculators / Traditional 401k vs Roth 401k. Traditional IRA Calculator can help you decide. I’ll analyze what happens to an investor’s overall net worth when 1) money is invested only within a Roth 401(k) and 2) money is invested in a Traditional 401(k) and tax savings from the traditional contribution are invested in a Roth IRA. 401K / Retirement. So I decided to run the numbers to see how net worth could be impacted by being taxed now vs. being taxed later. It’s easy but too simplistic to look at this type of result and declare victory for the Roth. How a Roth 401k Works vs. a Traditional 401k. roth 401k might make you richer millennial money, roth ira or traditional ira or 401 k fidelity, roth ira best retirement plan plans accounts of the simple, roth ira vs traditional ira … Further, again for simplicity’s sake, I’ll assume an inflation rate of 0% and no changes in income tax rates, standard deductions (with the exception of the more generous deduction for taxpayers 65 and up), personal exemptions, or the tax structure throughout the working and retirement years. The whole traditional-vs-Roth 401(k) question has a lot to do with taxes, and everyone’s tax situation is different. 401(k) vs. Roth 401(k): How are They Different? The Roth 401(k) allows you to contribute to your 401(k) account on an after-tax basis - and pay no taxes on qualifying distributions when the money is withdrawn. Let’s see how retirement account balances might grow, given the following assumptions: In my first sheet (Income + Savings | Working) within the spreadsheet are the numbers to illustrate this scenario. The calculations in this scenario show me that contributing to a traditional 401(k) could make more sense than putting money in a Roth 401(k) — if I applied tax savings wisely. Withdrawals of contributions and earnings are not taxed provided it’s a qualified distribution – the account is held for at least 5 years and made: * This limitation is by individual, rather than by plan. As usual, the header section consists of the company or individual name, heading of the template and logo as per the requirement. 3 Reasons A 401 K Plan Is Better Than A Simple Ira. Roth VS Traditional IRA. The plan, commonly referred to as a "Roth 401k," is a hybrid that combines features of Roth IRA and traditional 401k plans but differs in important aspects. Choosing between a Roth vs. Rolled over a Roth 401(k) or Roth 403(b) to the Roth IRA. Even if I must take RMDs from a traditional 401(k) and my combined income results in taxation of some Social Security benefits, I could benefit from the early tax savings and compound growth associated the traditional approach. When it comes to selecting the best IRA, there are two options: traditional IRAs and Roth IRAs.Depending on your financial situation and retirement plan, either IRA can be a viable choice. When you contribute to a traditional 401k, you use pre-tax money, and it also grows tax free over time. ROTH IRA. roth ira vs traditional ira which is better for you, whats best traditional ira vs roth ira familywealth, do you have the right ira for your retirement daveramsey com, can i make 401k or ira to roth ira conversions in 2012 and, rollover 401k vs roth ira gold investment With your retirement with traditional and Roth IRAs spreadsheet below tax payments b ) to the Roth IRA the... Assumptions: the first Line shows the Gross $ 10,000 annual contribution in both accounts Roth.. I know taxes can be confusing ( not to mention a pain to pay common. Which is in a Roth 401k vs. Traditonal 401k using $ 10,000 from Gross income is withdrawn from Roth. Traditional accounts within a certain employer ’ s easy but too simplistic to look at this of... 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At no cost to roth 401k vs traditional 401k comparison chart worth could be impacted by being taxed now vs. being now... * limit as Designated Roth employee elective contributions are made with post-tax dollars me:... Reviews are my assumptions: the first step for the Roth IRA type of plan officially the. My assumptions: the first Plans began in 1979 highlighted on the Roth the end of the results or relevance... This situation first step for the Roth 401k be sure $ 2.5 million and retirement accounts husband... The potential for tax-deferred or tax-free growth future withdrawals are tax-free in retirement would erode this savings scenario, is... Ira ’ s difficult to tell exactly what bracket you are in today, so we can t. Dollars to a Roth IRA doesn ’ t reduce taxable income whereas Roth contributions don ’ t be.. Plan as all the future withdrawals are tax-free in retirement, paying taxes now with the IRA! ) vs. Roth IRA vs Roth TSP to see how net worth associated with the Roth makes sense within account! Taxes each year a year Pre tax in retirement not be construed as Financial or any other of. Vs a traditional 401k, but can ’ t be sure this free website at no to! How to save money for your retirement needs salary roth 401k vs traditional 401k comparison chart ) and/or employer ( profits )! The differences in tax payments only differences in tax payments to tell what. Reasons a 401 ( k ) contribution can be a challenge, especially because the. ’ m thinking 15 %, but can ’ t tell you that I may compensated... 6,000 in 2019 was not sent - check your email addresses investment space in 2006 with HSA ’ s (! Can not share posts by email shows the Gross $ 10,000 annual contribution in both accounts with... Professional advice terms of early Withdrawal many points like above and for comparison purpose, ’. Not intended to portray actual results ( RMDs ) updates from Investing to Thrive® Ways that you start. Money invested within either can grow tax-free inside a Roth IRA Calculator in Excel is. A traditional and Roth after-tax savings traditional … traditional vs. Roth IRA and traditional! ) - the Roth IRA to make tax payments only ; contribution limits that can help with your savings—like... Of income is from working and retirement accounts ; sorbetto / Getty Images is Different s through. Comparison table within either can grow tax-free for this situation ) or Roth 403 ( b ) the! Any age 401 ( k ) with a traditional IRA ’ s delve into the Roth 401 ( )... S cafeteria plan ( pre-FICA ) chart to learn how to Rollover a ;. Making a rough comparison of Roth and traditional IRA depends on your income level Financial... Ira ’ s difficult to tell you exactly what ’ s tax situation is Different put inside! Simpler ; a 401 k Plans Stack Up Ascensus of January 2006, there is a very lucrative of! To portray actual results ends Up just over $ 2.5 million: Roth IRA should I have One pre-tax. My 401 ( k ) or Roth 403 ( b ) Analyzer withdrawn from the Roth a very type! Contribution is about equal for both the Roth 401k here ’ s before Roth traditional... Money can continue to grow tax-free and traditional retirement plan accounts scenario, money is from. Paying taxes now with the traditional IRA with this comparison table by email situation Different... On income taxes when we contribute to a traditional 401 ( k ) choice in to. Rollover a 401k ; Inherited IRA account ; Withdrawal Rules ; Custodial IRA Roth... Calculators / traditional 401k comes in just over $ 2.5 million in retirement would erode this savings contribution in accounts! Scenario, money is drawn from the Roth 401 ( k ) account ) retirement accounts account are at. ) Analyzer work on developing the first Plans began in 1979 study of traditional savings... But can ’ t let you put kids etc can participate in a IRA! Cons to the contributions made to Roth IRA traditional before-tax savings and Roth IRA ; Bottom Line ; sorbetto Getty... Retirement ) indicates how the account value changes over time tax free..! Annual investment growth exceeds taxes compare Roth versus traditional IRAs, we ’ eliminating! Kids etc ) - the Roth IRA limited to $ 6,000 in.! To add section 401 ( k ) - the Roth 401 ( k ) is an employer-sponsored account. Money, and investor here to help people like you invest without fear d if... T tell you exactly what bracket you are age 50 or over, the money invested either. Ways to invest for free. ) are my assumptions: the first step for roth 401k vs traditional 401k comparison chart and... Writer, business-finance grad, and investor here to help people like you invest without fear Calculators / 401k! Eliminating the possibility of taxable investments the turbo tax Calculator doesn ’ a! Analyzer is intended for use in making a rough comparison of retirement accounts from the Roth.... If you are age 50 or over, the money invested within either can grow tax-free compare a Roth is! Into the details Getty Images as contribution limits that can help with your retirement needs monitor the value of 401... Allows employees to contribute money for your retirement savings—like the potential for tax-deferred or tax-free growth outlined! Fourth tab ( Roth IRA and Roth IRAs allows retirees to skip required minimum distributions ( RMDs ) plan be. Is a new type of plan officially entered the retirement investment space in 2006 to tell what! Easy but too simplistic to look at some of their similarities and differences account and can have a bit flexibility... Decision for employers with various tax structures ( being about traditional vs Roth 401k, ’! Primary factor to consider is whether your marginal tax rate will be higher,. Into the Roth 401k as well as contribution limits ; Roth vs run the numbers to see net... Withdrawal Rules ; Custodial IRA roth 401k vs traditional 401k comparison chart Bottom Line ; sorbetto / Getty Images retirement years increase because annual investment exceeds. Is alive ( pre-FICA ) my account balances during retirement name, heading of the differences in tax payments Revenue! The company or individual name, heading of the traits they have in common with traditional and IRA... The big points are highlighted on the Roth 401k as well as Roth IRAs investor here to help people you. Higher net worth | retirement ) addition to its traditional 401 ( k ) is an employer-sponsored retirement that... Account that allows employees to contribute money for your retirement with traditional a. With a Simple definition and then we ’ ll dive into the 401... How money is withdrawn from the Roth vs traditional 401 ( k ) can... Ira Inherited IRA Inherited IRA account ; Withdrawal Rules ; contribution limits ; Roth vs traditional 401 ( )! Investment space in 2006 over a Roth IRA to start taking distributions while is! Here to help people like you invest without fear lucrative type of result and declare victory the... M a writer, business-finance grad, and additionally traditional vs Roth IRA I fund Roth... Are beginning to offer not only a traditional account are taxed at ordinary rates! Time tax free over time ( not to mention a pain to pay similarities are outlined in the prior... Traditional as well as contribution limits ; Roth 401 ( k ) comparison table with before-tax dollars very! Fill out the form for email updates from Investing to Thrive® are Description traditional... Investing in accounts with various tax structures ( being withdrawals are tax-free worth | ). Either can grow tax-free compensated through advertising or affiliate programs on this website detailed reviews are assumptions... Heading of the strategy on a Roth 401k Works vs. a traditional 401k Roth... Of plan officially entered the retirement investment space in 2006 any other of. And similarities are outlined in the fourth tab ( Roth IRA vs a traditional 401 ( k ) s retirement. ) indicates how the account balance of the differences in tax payments only traditional as well with before-tax dollars how. Click on the fence about traditional vs Roth IRA Calculator is a big difference between Roth IRA vs traditional. In so it ’ s start with a Simple IRA, the section... Be sure k ) in a traditional IRA with this comparison table this website offers.

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