In comparison, converting to a Roth would shield any capital gains or investment income from future taxes. AJ - this is the heart of my wanting to employ a strategy of converting from a traditional IRA to a Roth.I'm only 50 so there will be no withdraws from my IRA's for quite a while. The responses were all very helpful. But at the heart of the strategy is this:Traditional IRA balance of $200K, for simplicity lets assume it grows in value (investment growth & Dividends) by $100K between now an when I start to withdraw. I will pay taxes on the $300K as its withdrawn from the IRA.Roth Conversion - of the $200K I pay taxes on the $200K now at conversion(I would do this over a few years and minimize the tax rate.) Am I correct that the $100K of growth in the Roth IRA, would not be taxable, even when I eventually with draw it??Is my understanding correct??
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