Some thought:
1) If the income after retirement is lower than now, conversion from traditional IRA to Roth IRA is not recommended;
2) If you are young and just start your career, you income may not be higher than retirees;
3) A lot of people are not qualified to contribute to deductible IRA, but the threshold for Roth IRA contribution is much higher, and it is practically eliminated from 2010;
4) The gain in Roth IRA account will not be taxed while the gain as well as the contribution in deductible traditional IRA will be taxed as ordinary income.
1) If the income after retirement is lower than now, conversion from traditional IRA to Roth IRA is not recommended;
2) If you are young and just start your career, you income may not be higher than retirees;
3) A lot of people are not qualified to contribute to deductible IRA, but the threshold for Roth IRA contribution is much higher, and it is practically eliminated from 2010;
4) The gain in Roth IRA account will not be taxed while the gain as well as the contribution in deductible traditional IRA will be taxed as ordinary income.
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