Comments on: Postponing Taxes on a Roth IRA Conversion http://www.fivecentnickel.com/2010/07/30/postponing-taxes-on-a-roth-ira-conversion/ personal finance tips, tricks, and commentary Tue, 14 Feb 2012 00:06:17 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: SAFTM http://www.fivecentnickel.com/2010/07/30/postponing-taxes-on-a-roth-ira-conversion/comment-page-1/#comment-171191 SAFTM Fri, 30 Jul 2010 18:02:44 +0000 http://www.fivecentnickel.com/?p=9971#comment-171191 Great point. I agree that the tax planning issue needs to be examined by each person (and their tax professional) to fit their needs - what makes sense to their budget and investment/savings style. For me, if I would still have a good emergency fund if I paid the taxes now I would get it out of the way. The certainty of tax rates to pay now - and the uncertainty (or certainty of the increase...) of the tax treatment on anything I would do with the money in the meantime (dividends for example) - are the tie breakers (if the projected numbers are close). Keep it simple. Great point. I agree that the tax planning issue needs to be examined by each person (and their tax professional) to fit their needs – what makes sense to their budget and investment/savings style.

For me, if I would still have a good emergency fund if I paid the taxes now I would get it out of the way. The certainty of tax rates to pay now – and the uncertainty (or certainty of the increase…) of the tax treatment on anything I would do with the money in the meantime (dividends for example) – are the tie breakers (if the projected numbers are close). Keep it simple.

]]>