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I think its a much more complicated decision than implied by the poll, and very much depends on other circumstances. Some who work for companies with good pension plans probably will retire at close to full pay from those sources. They will have many options for their Roth IRA and 401K balances--including using them for estate planning purposes.

Others will see their jobs eliminated early and/or will convert their pensions to IRAs and possibly Roth IRAs. They will need those accounts and their investments for income in retirement. But if done right, given reasonable investment results and good planning, their balances may be large enough to leave decent estates to their heirs after funding a nice retirement for themselves.

A third group will have minimal or no pensions from having been self employed or worked for companies without pension plans. They will rely on Roth or IRA if they were smart enough to have one to supplement Social Security.

Different strokes for different folks. There are many situations.
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