I agree with most of the posts here; at a 15% marginal tax rate or lower, a Roth is a no brainer. At 25% and higher, it becomes murkier. Consider that a married couple making $100k would pay under $12k in taxes or less than 12%. Even if you made $20k in SS and the $12k in taxes came out of the remaining $80k, you'd be paying 12/80 or 15%. That's still a heck of a lot less than 25% or the 30%+ that I'm paying. I disagree that paying no taxes in retirement would be a good thing...I consider it a lost opportunity since it likely means higher tax rates were paid earlier in life which could have been invested to yield more income in retirement. Having a mix so you can control your taxes is ideal. If RMDs happen to push my withdrawals into rates higher than I'm paying now, I'll know my retirement is financially set.
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