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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 81572|
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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