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>If you assume that you contribute the same amount (after taxes for the
>Roth), get the same ROR and are in the same tax bracket now and at
>retirement, the returns for a Roth-IRA ($1,320) and a deductible IRA
>($2,000) are IDENTICAL. I'm sick and tired of reading syndicated
>coloumists, like Janyne Bryant Quinn, who leap to the assumption that
>Roth-IRAs are better (Can you explain why Jane).

>Assuming 33% tax brackets, 'if' you can pony up the full $2,000 for the
>Roth-IRA you will be better off than putting $2,000 in an IRA and
>investing the $666 in a taxable account.

I came up with different numbers than you did. In fact, my numbers indicate that the Roth IRA is always better than a deductible IRA (as long as your tax rate remains the same).

Using your example of a 33% tax rate, a 10% ROR, and a 10 and 20 year period. Your Roth IRA grows to $4716 after 10 years and $12232 after 20 years. A standard deductible IRA grows to $4555 ($4716 - $1556 tax, and your side investment of $660 compounds to $1556, of which $896 is taxable, and a tax bite of $161 given a 18% cap gain tax) after 10 years and $11624 after 20 years ($12232 - $4036 tax, and your side investment of $660 compounds to $4036, of which $3376 is taxable, and a tax bite of $608 given a 18% cap gain tax). A difference of $161 and $608. Not huge amounts, of course, but still better nonetheless.
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