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|Subject: Re: Non-deduct Traditional IRA||Date: 2/10/2004 6:50 PM|
|Author: 2old4bs||Number: 39126 of 83112|
I agree with you on holding bonds, REITs, etc. in tax deferred accounts. However, the initial question,
If you don't qualify for a Roth IRA, is there a good reason to use a non-deductible traditional IRA over a taxable investment account?
is about NON-deductible IRA contributions, which does away with some of the advantages of an IRA because you are paying with 'after-tax' dollars. This would then leave the only advantage of the IRA option to defer taxes on ordinary income, which only makes sense if you intend to be in a lower tax bracket during retirement.
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