Jan
27
2012
Retirement Savings Calculators
ROTH question…….?
There was one question here that has made me think.
A man about to retire – lets say 62
had a 401k that he wanted to transfer into an IRA then transfer to a ROTH.
All he has in Retirement Savings (401K) is 150K.
I suggested he run the calculators since he may be better off leaving the money in the regular IRA since he will be in a very low tax bracket in retirement.
Would you advise him to pay all the taxes upfront to transfer to the ROTH.
This could knock him into a higher tax bracket.
What would you do?
I’m young, and I guess I’m missing something.
For the most part… converting to a regular IRA would be the most they should do. Paying higher taxes is only one part of what’s lost……. now you’ve got money that goes to Uncle Sam, instead of staying in the account to earn more money.
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