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re: $5000 to invest...

Posted on 6/24/13 at 4:50 pm to
Posted by Volvagia
Fort Worth
Member since Mar 2006
51916 posts
Posted on 6/24/13 at 4:50 pm to
It depends really.

If you are only a couple thousand in the next bracket but also plan on not having a quiet retirement and spends a lot, Roth still wins.

Investing in a Roth is hedging that you think your tax rate will go up in retirement between both your pull out and government tax increases.
Posted by Volvagia
Fort Worth
Member since Mar 2006
51916 posts
Posted on 6/24/13 at 4:52 pm to
If your employer offers a Roth, it allows you to easily diversify in both.

Your contributions are post tax, but the employers are pretax
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