There are other "pro"s. The contributions to these accounts will not be taxed currently. So you will have more money working for you currently. There will also be a small tax drag on the non-tax deferred account, even if invested in index funds. On the other hand, capital gains tax rates as well as regular tax rates are at lower levels than they have been in the past. There is no way to predict with certainty what will happen in the future.Ira
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