I also supect (and posted elsewhere on TMF [and which you may have even seen]) that when Congress gets desperate enough for revenue, withdrawals from Roth IRAs and Roth 401ks will be tax like distributions from an after-tax traditional IRA ---- exempt to the extent of basis, with basis allocated over all withdrawals. - JAFO---------------------There is nothing I would not put past congressweasels in their constant search for money to pander for re-election, BUT I find some solace in that I am not required to track the basis of my Roth. So if they do go after the large pot of money setting in Roth accounts, it is more likely the weasels will declare a date after which any growth will be taxable when withdrawn. Thus I am endeavoring to shift IRA money towards the Roth each year up to the limit of the 15% bracket.I think it is best to have a mix of IRA, Roth, and after tax accounts so one can optimize your withdrawal strategy based on the whatever changes the weasels periodically come up with.
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