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Technology Stocks : Cymer (CYMI) -- Ignore unavailable to you. Want to Upgrade?

To: John Cuthbertson who wrote (24372)	2/29/2000 9:55:00 PM
From: Robert Douglas	Read Replies (1) \| Respond to of 25960

John, By the way, on the Roth conversion topic, you can easily demonstrate that if you expect your tax rate at the time of withdrawal to be the same as now, there is no advantage to converting to a Roth, i.e. your after-tax spendable $$ are the same whether you convert and pay tax now or don't convert and pay tax at withdrawal. I'm still learning, but I was under the impression that there were different withdrawal requirements for Roth IRAs. This means you can leave the assets compounding tax free until your death and as a part of an estate they would already be taxed and only subject to the estate tax. (Assuming it exists by then.) If you won't need the IRA to live off of this makes it an excellent estate planning vehicle. An ordinary IRA, upon your death, will pay income taxes then estate taxes. Goodbye to 70% of your IRA assets. Please don't take my word for it however. I am still a novice on the topic.