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Does anyone know whether when the time comes to make tax free withdrawals from your Roth IRA (after 59.5 yrs etc), the Roth gains will be added back into your taxable income when determining the taxable portion of Social Security benefits. As it stands now all pensions, tax free bonds, regular (deductible ) IRA amounts are added back for the social security calculation. It seems inevitable that that will be the case for gains on Roth IRAs as well and if that is the case, then Roth IRAs will be taxed after all (via the SS calculation). And it adds another level of complexity to the Roth vs non-Roth question.

Joe Varga
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