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Strategies & Market Trends : Dividend investing for retirement
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To: Steve Felix who wrote (17702)12/2/2013 8:09:37 PM
From: E_K_S  Read Replies (1) of 34328
 
OT - Have you thought about starting partial conversions from your IRA to a ROTH? There are significant generation skipping options if one or more of your your beneficiaries are grand kids (or great grand kids).

I started a 10 year program last year moving 10% each year from the IRA to the ROTH. The ROTH has it's focus on dividend income and the IRA has a bit more in special situation and small cap growth along w/ income.

You pay tax now on the partial conversions but if you can limit your income so you are in 15% and/or 25% tax bracket, it works out (for tax planning purposes) that the ROTH could be better in the long term planning.

Here is some good information to use when considering a partial ROTH conversion.

This is phase II of my investment planning strategy.

EKS

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