aenlighten
Recycles dryer sheets
- Joined
- Apr 1, 2007
- Messages
- 275
Roth does allow a larger deferral
but a simple reduction in tax rate from a 25% marginal to a 20% gross from accumulation to decumulation would be enough to wipe out that advantage. It really seems the determinant is whether you are planning on a constant level income or wealthier retirement (which bracket you will be in). Most of us probably plan for the latter and would benefit from a conversion, but others may not.
but a simple reduction in tax rate from a 25% marginal to a 20% gross from accumulation to decumulation would be enough to wipe out that advantage. It really seems the determinant is whether you are planning on a constant level income or wealthier retirement (which bracket you will be in). Most of us probably plan for the latter and would benefit from a conversion, but others may not.
