Date: Fri, 3 Mar 2006 14:18:52 -0600
From: "bo peep" 
Newsgroups: misc.invest.financial-plan
Subject: Re: 10 years from Retirement---Roth or No?
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With only 10 years to accumulate his retirement funds, those funds will
be relatively small. A small amount of retirement funds drawn out over
a period of several years will probably mean that he will be in a very
low tax bracket during retirement. This partially or entirely erases
the tax shelter benefit of the Roth. He would be paying high taxes now
to enable low taxes later, the exact opposite of what is desirable.

John Cowart