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Subject:  Re: To Roth or not when making very little? Date:  8/11/2011  5:45 PM
Author:  ptheland Number:  69409 of 88513

Also there's the forced distribution in regular IRA's at 70-something, and I plan to live at LEAST 30 years past that,

The first required distribution from a traditional IRA at 70.5 is a bit less than 4% of your IRA balance.

The initial SWR from a retirement portfolio is a bit less than 4% of the portfolio.

IOW - the RMDs are roughly the same as the 30 year SWR.

Therefore, the need to take RMDs from a traditional IRA is a really lousy reason to use a Roth IRA instead of a traditional IRA.


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