If you're young, Roth all the way I disagree. If you're young and your marginal tax rate is below 25%, yes, Roth all the way, but I firmly believe that it's a great idea to defer taxes of 25% or more. Consider that if, like me, you don't have a pension or other retirement income, that some of your withdrawals from a traditional 401k/IRA will not be taxed at all, some at 10%, some at 15% and so on. Consider a married couple withdrawing $80k from a traditional IRA would pay about 11% effective tax on the withdrawals. As for the investments in either, I'd choose the same investments in both. -murray
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