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<< So for those who don't qualify for a Roth or for another reason are better off not in a Roth, they would actually have to figure out if they are better off in a taxable investment rather than in an IRA! >>

Unless you can hold your stocks until retirement (30+ years in my case) the IRA will win. Unless the cap gains tax is removed, which would change *everything*...

It's hard enough to make these tradeoffs based on current law, but who can say what the law will be 30 years hence?

It's maddening. Sometimes I think the only sensible strategy is to minimize current tax liability.

Will taxes be higher or lower in the future? Are you an optimist or a pessimist? Do you feel lucky punk, well do ya? <g>
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