I just finished reading http://www.fool.com/taxes/2000/taxes000901.htmLike so many Roth articles, it seems to give a misleading assessment of the benefits of Roth conversion.It completely ignores the lost opportunity of investing money you have to use to pay taxes on the conversion.The article compares paying $1,120 on a $4,000 conversion versus paying $8,400 in taxes if you don't convert and the $4,000 investment grows to $30,000.Yeah, but what if you were to invest the $1,120 in widgets.com and assume the same growth rate, then the $1,120 would become $8,400, which would be enough to pay the taxes. Of course, you have to pay capital gains on $8,400 - $1,120. So, may Roth is better, but no where near as better as the article makes it seem.Plus, there's other factors like tax bracket at retirement, etc.I wish TMF would write a more in-depth article that gives a more realistic assessment of Roth conversion.Juan
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