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yes, but for whatever reason, their calculator allows an expected rate of return no greater than 12%, which is pretty meager for a Fool. One lesson learned by going thru the calculation is that if you do not expect a change in marginal tax rate when you draw from your Roth IRA then the Future value is the same whether you convert or don't convert when you pay the taxes due from the IRA.. If you pay the taxes from some other source, then the Roth IRA is a no brainer (when there is no change in marginal tax rate). I personally think that barring tax law changes most people will have the same marginal rate because most people are in the 28% rate bracket and it is so large that even after retirement most people stay there especially if they invest Foolishly.

Joe Varga
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