you are right, but

回答: IRA, Roth, 401K - Help with conversionSmilee2013-10-25 12:46:44

if you do not pay this year, then you pay later when you


1. convert to roth;
2. or withdraw


so it is a bet about where the tax rate is going.

you can convert when you have some losses in a year. less tax that way. google my old posts about pros and cons of roth vs. traditional ira.



just my 2c.












 

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Thanks. So if I choose plan 1, -Smilee- 给 Smilee 发送悄悄话 (32 bytes) () 10/25/2013 postreply 13:20:48

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