You should talk with your tax advisor
When you withdraw your money from the 401/402, etc you will be taxed at the tax rate for your income bracket at that time.
If you have any annuity or social security or any other income your disbursement will be taxed at a higher rate than you have currently It may also be subject to state tax as well.
There are some IRAs that you can invest in with after tax dollars and it will, should, net you more dollars
Just my experience and a FYI.
This is a very volitle market so beware of any type of fixed rate investment
