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A Positive In a Down Market

Written by: Shirley Mueller

Article Overview: If you have been thinking of converting your traditional IRA to a Roth IRA what better time could there be than during a down market? Then, the taxes that you pay to convert your traditional IRA to a Roth are less.

Free Download - Investing for Entrepreneurs: Navigating Emotional Mindfields By Shirley Mueller
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A Positive In a Down Market

If you have been thinking of converting your traditional IRA to a Roth IRA what better time could there be than during a down market? Then, the taxes that you pay to convert your traditional IRA to a Roth are less.

The advantage: Within a Roth, money not only accrues tax free like a traditional IRA, but also the money can be taken out tax free unlike a traditional IRA.

Income limitations to convert:

Single: less than $100,000

Married: less than $155,000

Not for everybody: This kind of roll over is only recommended for people that have at least 5-10 years or more left until retirement. This is because the cost of paying taxes on the rollover sum can negate the advantage of tax-free earnings that is relatively brief.

More Information: For a complete listing of Roth IRA advantages and disadvantages, please see the Internal Revenue website http://www.irs.gov/ and search for Roth IRA.

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Home > Women-Entrepreneurs > Shirley Mueller > A Positive In a Down Market
Article Tags: 10 years, better time, free earnings, internal revenue, ira income, money, paying taxes, retirement, roth ira, traditional ira, www irs gov

About the Author: Shirley Mueller
RSS for Shirley's articles - Visit Shirley's website

Shirley M Mueller turned every doctor's fear - inability to invest his or her hard earned money wisely - into her greatest passion. While practicing medicine, she handled seven family investment accounts. When she retired from medicine in 1995, she worked for seven years in the investment industry. Now, she writes regularly for Physician's Financial News, a money management internet publication directed at doctors. Dr. Mueller also educates, both one on one and publicly, about how to effectively self-invest using a simple and effective three-step approach. Recently she gave lectures regarding this topic at Indiana/Purdue University. Mueller specializes in client-managed investment portfolios for which she provides unbiased information. She is not associated with a firm for whom she has to promote a party line. Her fee is hourly, not a percentage of assets.

Click here to visit Shirley's website Dashed Line

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