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Subject:  Re: Roth investing/withdrawing at 60 Date:  3/15/2012  3:19 PM
Author:  0x6a74 Number:  70360 of 88775

I think this all depends on tax rates. Many are surprised to their tax rate increases in retirement between Social Security, pensions, investment income, and eventually mandatory distributions.

i was surprised how much my taxes dropped ..

But to make Roth conversion on a large account that incurs a sizable tax bill at upper bracket rates is not worth it. I'd rather wait and pay later--waiting for something better to come along.

maybe part of the 'confusion' in this thread:
large conversion v
small conversion v
contributions (before and after age 59.5?)

OP is talking about the third

[ i've been doing small conversions trying to keep the taxes low in order to (1) minimize RMD and (2) leave more tax-free stuff to heirs
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