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But tax-inefficient investments would make sense in a Traditional IRA funded with non-deductible contributions, like you mentioned. That would include bonds and bond funds (other than municipal bonds), REITs.

Why wouldn't tax-inefficient investments such as bonds, bond funds, REITs, and Internationals make sense in a Roth IRA? Earnings accumulate tax-free in a Roth IRA, but are taxable upon withdrawal at the regular income tax rate with a deductible (Traditional) IRA.

Also - what would be considered a "non-deductible contribution" to a Traditional IRA?

What am I missing here - I've had a hard day?!?

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