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Greetings, Gennit, and welcome. You asked:

<<Can someone enlighten me on the benefits of a Roth over a Traditional IRA. I know that with a traditional IRA contributions are deductable but disbursements are counted as income. >>

One distinct benefit is that a Roth will pass to heirs free of income tax, unlike a traditional IRA. Also, if all you can use is a nondeductible traditional IRA, then a Roth is better. The Roth is also nondeductible, but ultimately everything that's withdrawn is free of tax. In the traditional IRA, earnings are always taxed. For additional details, see my analysis on this board at and the IRA discussion in my Foolish Retirement Plan Primer at .

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