different people will give you different answer.

My simple answer is if you pay very high tax now and your income will not keep high, yes. Otherwise, no.

Your company 401k advisor will say, yes. You get tax benifit as you do not pay tax now .

Insurance agent (like those who sale VUL) will say no, if you pay tax now and get tax free money later benifit more to you as now US tax rate is low.

So, it is a hard question to balance, arrange your investment and retirement. I do not think there is a simple best answer.

I suggest that every one learn by him/her self. It is not hard.

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• Thanks for your anwer. -B94720- ♂ (210 bytes) () 11/18/2008 postreply 09:18:47

• do not forgot the compounding of those tax money -longtermInvestor- ♂ (80 bytes) () 11/18/2008 postreply 09:58:09