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re: "Real" value of a Roth IRA
Posted on 1/30/13 at 9:58 am to gatorsimz
Posted on 1/30/13 at 9:58 am to gatorsimz
The "flexibility" is an important factor. Once you have paid your taxes (Roth), you have greater ability to access the fund. If you needed money from a standard 401k, you would have penalty concerns.
Generally most people retire at a higher income tax bracket. It is best to use the standard 401k to receive co. match. Then if you're near a rate level adjustment, push to keep below the next rate. If you can't shelter at a lower rate, Roth is a great place to go.
Generally most people retire at a higher income tax bracket. It is best to use the standard 401k to receive co. match. Then if you're near a rate level adjustment, push to keep below the next rate. If you can't shelter at a lower rate, Roth is a great place to go.
Posted on 1/30/13 at 1:35 pm to Oenophile Brah
quote:
The "flexibility" is an important factor.
Yes. There are no required distributions with the Roth. Roth can be used as an emergency fund.
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