Post #436 by sykesix on the Retirement Investing board

Personal Finance Topics / Retirement Investing

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Roth conversions are a nothingburger. All they do is shift which year you pay the tax. The only financial benefit that comes in is if your marginal tax rate NOW is lower than it will be in the future. Which is not often the case.

But it isn't hard to think of a scenario where it could be. For example, RMDs pushing you into a higher tax bracket. That's a real consideration for many people. Probably many people here.

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