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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