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Author: Rayvt Big gold star, 5000 posts Top Favorite Fools Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76418  
Subject: Re: 403 v 457 Date: 3/21/2011 7:58 PM
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With a Roth, you're betting that your marginal tax rate in retirement will be at least what it is now.

Based on personal experience, this is a **really** good bet.

In late December we did a really hefty rollover/conversion from our IRAs to our Roths, in order to fill up to the top of the 15% bracket.

By being clever (thanks internet posters!) we moved a bunch of money and have been able to max out our 15% bracket for 2010, 2011 & 2012. Better yet, since we paid the taxes with other money, 100% of the IRA money get into the Roth, instead of only 85% of it. So that was kind of a sneaky way to effectively put another $10K into the Roths--even though we are retired and so can't contribute to a Roth.

Now, if only the market co-operates and grows. ;-)
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