Personally, I would keep doing what you have been doing. That's because these new tax laws all seem to have sunset provisions. Will this one be renewed? If not it means nothing to money you put in your IRA. It also means nothing to money you put in your Roth IRA.Those who worry about mandatory distributions are those who have major income from other sources or who have very large IRA/401K accounts they were unable to work down. If that seems likely to happen, then you would be better off investing LTBH in a taxable account.An IRA still gives you the flexibility to move your money from one investment to another without having to pay taxes on those transactions. If you look at companies like Xerox, or Lucent, or Enron--all once thought to be great long term investments--you see the benefit of being able to change as the prospects of the businesses change.
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