joelxwil,why make non-deductible contribution?Profits and dividends are not taxed.This is an incorrect assumption.Everything coming out of the trad IRA will be taxed as standard income.Dividends and capital gains in a taxable account are given better rates of taxation. Overall, your investment result is higher paying lower taxes in a taxable account over time than the higher income rates on withdrawals from trad accounts.The benefit for trad accounts is solely in the deduction/pre-tax contributions made during working years at what is normally assumed to be a higher tax rate than after retirement.Gene
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