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Author: pauleckler Big funky green star, 20000 posts Top Favorite Fools Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75340  
Subject: Re: Roth investing/withdrawing at 60 Date: 3/15/2012 2:22 PM
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I think this all depends on tax rates. Many are surprised to their tax rate increases in retirement between Social Security, pensions, investment income, and eventually mandatory distributions.

If you are working and in a low tax bracket, Roth usually makes a decent investment. If you have a low income period (one or more tax years) partial Roth conversion to soak up all of your lowest tax brackets makes a lot of sense.

But to make Roth conversion on a large account that incurs a sizable tax bill at upper bracket rates is not worth it. I'd rather wait and pay later--waiting for something better to come along.
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