MISSING_HEADERS,TO_CC_NONE autolearn=disabled version=3.1.1
Date: Sun, 23 Apr 2006 15:13:51 -0500
Subject: Re: Convert Traditional to Roth questions
From: Sandra Loosemore 
Newsgroups: misc.invest.financial-plan
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	02PLeZZxdBzpy1yk7ILty1o03X/r+ussW1JvV+LGh28TZDNRZhCeyA==
	=caBL

"Russ"  writes:

> Would it make sense for me to convert the 22K in Traditional IRA over
> to my Roth?  Would I likely benefit from this conversion?  I have
> enough to pay the taxes in my emergency fund (and still have enough
> left over for emergencies).

Yup; as long as you have the money to pay the taxes without dipping
into your IRA assets, Roth conversion is usually a good deal.  You are
effectively shifting assets to tax-sheltered status, since you get to
convert the entire amount of pre-tax money in the IRA to post-tax
money.  Another slight benefit is that the fewer investment accounts
you have to keep track of, the easier life is.  

-Sandra the cynic