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agg97 wrote:

While the Roth IRA looks like a great deal now, Congress can change that in a heartbeat. Since you'll be forced to start contributing to a Traditional IRA in the foreseeable future, I would want some investments which are still tax-advantaged, but advantaged in a different way. So, you are less susceptible to changes Congress decides to make.

I have done some thinking on this statement, and I don't it is a realistic concern. If the government makes a change, they will make it applicable from some point in time forward. In all cases I can think of pertaining to tax code, they always 'grandfather' previous commitments when retirement is involved.

Can you imagine how fast our elected politicians would be voted out of office if they cancelled or reduced the tax-free status of money in ROTH IRAs? The 'Baby Boomers' will be the most powerful voice in the country for the next 30 years or so, and lots of them have ROTH IRAs (including me).

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