you are right, but

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.












 

所有跟帖： 

• Thanks. So if I choose plan 1, -Smilee- ♀ (32 bytes) () 10/25/2013 postreply 13:20:48