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Historically, there are two things we know about tax laws: 1) They constantly change, and 2) There is always a 'grandfather' arrangement. I think this applies to the Roth IRA.

I don't think the second is true. I would have to do some research but I invested in a pretax annuity in the late 70's because it was the only option available at the university where I worked. The original deal was that the money could be withdrawn with only the taxes due. By the early 80's, there was a 10% penalty imposed and there was no grandfathering as far as I know.

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