Author Topic: Fund Roth or Traditional IRA?  (Read 3484 times)


  • Bristles
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  • Posts: 301
Fund Roth or Traditional IRA?
« on: December 28, 2013, 12:00:00 AM »
For 2014 we are able to contribute to a Roth, which I assumed would be the best option.  However I also know that contributing to a traditional plan would give us a tax benefit of approx 1600.  So are we better off to fund the traditional and possibly do a Roth conversion later?  Is the tax benefit now worthwhile?

Thank you


  • Stubble
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  • Posts: 101
Re: Fund Roth or Traditional IRA?
« Reply #2 on: December 28, 2013, 08:17:00 AM »
If you are in the 15% Federal tax bracket today, then there might be a case to prefer Roth over traditional. But if you're in the 25% tax bracket then there needs to be some compelling reason to favor Roth. See this blogpost on the topic from the perspective of ER:


Wow, a phone plan for fifteen bucks!