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buznitz asks,

For the next 4 years I will be in the 15% bracket by about $5000 below 28% bracket. Sitting on long term CG and also have regular IRA's. Should I take CG and pay 10% or should I convert to ROTH and pay 15% up to the next bracket? Will be in 28% bracket when minimum distributions are required in the future.

I'd go for it.

There really isn't much risk in doing a Roth conversion if you're in he 15% bracket. If you were talking about doing a conversion at the 28% bracket, it's not such a slam dunk -- a market downturn might put you back in the 15% bracket when you're retired. At least under current tax law, 15% is as low as it gets.

intercst
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