Because I've lost about 25% in my traditional IRA with the market being down, I'm thinking this is the ideal time to roll it into a Roth because I'll pay much less taxes on the rolled over amount. Then when the market picks up again, I'll enjoy a tax free gain on my account. What do you think? Sounds like a plan. I guess part of the decision depends on what investments are in your IRA, on whether your investments have a front or back load, or if there are other time limits or investment barriers that would cost you more than you would save.Plus, it would depend on your tax bracket/rate now vs. what you think your tax bracket/rates will be later. (Aand what you think the politicians might do between now and then.)And, of course, it depends on how upset you would get if it turned out differently from what you expected. (Are you a gambler, and how risky would you evaluate this course to be?)Gail ~
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