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Subject:  Re: Roth IRA vs. Trad IRA Date:  1/9/2001  10:09 PM
Author:  PMcMullenCT Number:  27065 of 96349

> I haven't seen any comments on IRA Roth conversion
> as pertains to stocks, etc. that have experienced
> a significant drop.

That's one silver lining in this down market. If you were considering converting a Traditional IRA to a Roth, you can now do so with reduced tax impact. You'll pay lower taxes now on the amount moved from the Traditional than you would have had you converted at the market's peak in early 2000. When the market recovers later, it will do so tax free in your new Roth IRA and you'll never pay income tax on those subsequent gains.
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