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No, you aren't missing anything. It's a strategy that I plan on employing when I retire in a few years.

It's a strategy that I am doing right now, and for the last couple of years. Convert just enough to fill up to the top of the 15% bracket. Don't want to go over, because no income tax on LTCG or dividends **IF** you are in the 15% bracket. One dollar over and it all gets taxed.

Once 70 1/2 appears on the horizon, you want to take a close look at the RMD you'll face. Better for the growth to be in a ROth than a regular -- all other things being equal.
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