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The only difference between the return of a Roth IRA and standard IRA return is due to any differences in the income tax rate when income taxes are paid.

Yup.

The other difference is that regular IRA has an RMD after you are 70 1/2 and a Roth doesn't.

In the 2-3 years before I retired (early), when I was planning for the retirement I put every penny I could into my 401K. Knowing that my current rate was 25% and my retirement rate would be 15%.


The primary reason (in retirement) for converting regular IRA to Roth is: to reduce the RMD that's coming up pretty soon. That may or may not be advantageous to you, depends on your personal situation.

And you can pay the tax with outside dollars and effective move more money into the Roth than you took out of the IRA. I think -- it's easy to get lost in that math.

And if you think there's a realistic chance than you may be going from filing joint to filing single, probably best to pay tax now at the joint rate than later at the single rate.
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