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Of course, if you are faced with that then you could always roll it over to an IRA. Choosing Roth or Traditional based on marginal tax rates is pretty standard. It all depends on your situation. Thanks for posing this useful article. Sparky, I think you may be the one confused here.

Use the Roth for only the amount that your future marginal rate is greater than your current marginal rate. So the order of precedence for investments and this is a generalization, because of course everyone will be in a different tax situation would usually be: Leave a Reply Cancel reply. Fast forward 16 years to the point where they have achieved financial independence, and decided to quit their job and travel the world. Grande on April 18, at 6:

Decrease Conversion

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I do think that the Traditional K format will help most people get the most out of a K. Thus there is the basic principle of opportunity cost. The big difference to me is being required to take out money in regular k and IRAs at age Contribute to your k up til the employer match! In both examples, choosing a Roth k over a Traditional k resulted in less wealth and more tax.

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We ate up against the magi limit. They pretty much follow the market or certain parts of it and have low management fees. I have never had my benefits taxed, having worked for several employers. I think you missed her question. Plus who wants to pay fees and interest? Great call with recharacterizing after a big drop, by the way.

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The darn trad IRA increased in value while I was contributing to it! Go Curry Cracker on May 10, at 1: Any one have any info on this? The second is the Traditional IRA phase-out for those covered by an employer plan.

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I do understand the rational laid out by GCC but I expect my wife and I to work part time in our 40s and maybe early 50s. Assume that after building the Roth Horse Race at the beginning of year one, the two different Roth account balances in April of year two are as follows:. Lots of good info! In 3, you may want to contribute to a traditional or Roth K — either option or a combination of the two, depending on what you feel is more beneficial to you. So the order of precedence for investments and this is a generalization, because of course everyone will be in a different tax situation would usually be:.

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Hopefully, when we are set to retire, we can maintain a low cost lifestyle e. What do you mean when you say: The IRA also should have gains that increase its value at the time of conversion. All the best, Sean Reply. This logic is spot on. So it still takes a decent amount in your brokerage or another source of income to bridge the gap.

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This is an awesome benefit, but my suspicion is it will rarely apply. The earnings are much more valuable. Granted, I am oversimplifying in a few areas.

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You may decide to recharacterize both of the Roth accounts and instead use the tax-free space you have available to tax-gain harvest instead note: I do understand the rational laid out by GCC but I expect my wife and I to work part time in our 40s and maybe early 50s. Share price when contributing to Roth IRA: We have seen that for people with median income and above, taking advantage of the tax benefits of a Traditional k has long term tax advantages, allowing one to become Financially Independent in the shortest possible time. Then if you have extra money contribute to the traditional K or traditional IRA.

90% Percentile

Only when all other options have been exhausted does the Roth start to look interesting, except for families with poverty level incomes ideally temporary. As James said, you could open a Vanguard brokerage account and invest in the ETFs instead of the mutual funds. I have a question. Keep this rule when it comes to a traditional Roth plan:

I would rather someone show me the holes in my thought process now rather than learn the hard way later in life because I never saw the holes earlier! This leaves the unwithdrawable gains in the traditional IRA to be converted again some other year, while leaving the lower or reduced amount in the Roth where it could free up future market increases for conversion ladder withdrawal. GH on April 3, at 4: I have a question. While full access to contributions is often cited as an advantage of a Roth, those contributions lose to inflation with each year.

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  1. I took a layoff package from work this year and retired early! I was still contributing to the k to get the match but not maxing out, so that was a miss… I understand the point in the article thanks for the link. Just make sure you sign up for electronic document delivery so you can avoid any fees that would be charged to accounts with low balances. Be sure to check out my guest post on Millennial Revolution. Where do you come up with this stuff??? I think one important distinction is that the Roth k, including earnings, is NOT taxable except for the employer match component upon distribution.
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  2. So, today I technically have less money in my bank account until tax time comes around. Leave a Reply Cancel reply Notify me of followup comments via e-mail. I should point out that you can only reconvert either 30 days after the recharacterization or the year following the year of the conversion, whichever is later see this IRS FAQ for more info.
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Lots of great points here, thanks. My company does have one of these great plans which I take full advantage of, but of course I first max out all tax-deferred options. What do we give up to have the advantages of a Roth? Would you still advise the same investing strategy as you did in your original post? If you can afford to max out both your k and Roth, then do so in order to receive the maximum benefit.

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Only when all other options have been exhausted does the Roth start to look interesting, except for families with poverty level incomes ideally temporary. Traditional Roth IRA to the maximum allowable 3. I think you missed her question. Jonathan Evans on April 16, at 3:

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Only thing I would clarify is that the pre-tax piece in the last sentence. Please let me know if you will be able to participate and if you have any questions. Others argue that tax rates will only go up in the future, so you might as well pay lower taxes now.

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