Date: Fri, 3 Mar 2006 15:11:22 -0600
From: zxcvbob 
Newsgroups: misc.invest.financial-plan
Subject: Re: 10 years from Retirement---Roth or No?
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bo peep wrote:
> <>
> 
> 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
> 


I don't believe there are any minimum withdrawl requirements for a Roth. 
  If he has enough money to invest now to fund retirement in 10 years, 
it make sense to me to put some of it in a Roth account -- he can let 
that money sit there growing for the first 5 or 10 years of retirement; 
he can draw down the other accounts first, or pass the Roth account to 
his heirs tax-free if he dies early.

A Roth doesn't work as the /sole/ retirement vehicle at his age.

Bob