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Don't forget that, actually, your income spread out over the next four years is SET at the time of conversion, and will have nothing to do whatsoever with how your Roth portfolio does from then on. However, if you earn lots of other taxable income (hopefully), this could bump you up into higher brackets, and then the "conversion income" portion each year that gets added to income may be taxed at different marginal rates each year. I have just converted, placed it in E-Trade, and, over the last two days, have had fun self-directing the purchases of many great stocks (I hope) (PSFT was at the top of my list, by the way). Would love to hear from any of you who could give me some wise counsel on the rest of my purchases, which were: Pfizer, Costco, Walmart, Veritas, Legato, Intel (yeah, I know), Dell (yeah, heard it before), Lockheed Martin Marietta Northrup Grumman (cha, cha, cha), & Home Depot. Would have bought Microsoft and Lucent, but ran out of money. Got my flack jacket on, so take your best shot. INCOMING! |