A good beginning to a complex set of questions that the Wise seem to have not seen fit to raise. (Forgive the big words-I'm warming up to visit some political newsgroups.) Although, to be fair, as very few things I have read say that you shouldn't add money to an IRA if it's not deductible--but most say to do it regardless.Since withdrawals from an IRA are taxed as ordinary income, you are trading current long-terms capital gains taxes (20%) for future ordinary tax rate (28% or perhaps more). 'course, the Roth IRA adds a further complication.Ray
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