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URL:  http://boards.fool.com/ptheland-ltltltwith-a-roth-youre-betting-29186835.aspx

Subject:  Re: 403 v 457 Date:  3/22/2011  12:18 AM
Author:  JAFO31 Number:  68680 of 78166

ptheland:

<<<With a Roth, you're betting that your marginal tax rate in retirement will be at least what it is now.>>>

Ray: {{{Based on personal experience, this is a **really** good bet.}}}

Peter: <<<Based on my personal experience, I'd disagree. There is a very wide distribution of incomes (or expected incomes) in retirement. You need to look at the individual situation to make a recommendation about Roth vs. traditional IRA/401k.>>>

Ray: "But I'm surprised at what you say. As far as I can tell, we are much better set than most of our (also retired) friends & neighbors, w/r/t taxable income. Which is one pension & 2 SS's, and one of our SS benefits is significantly higher than the average benefit (acorrding to the SSA).

We started all three early (before FRA), so the benefits are all reduced.

And absent the IRA-to-Roth rollovers, our income is well below the