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To: chartseer who wrote (43565)	1/10/2013 11:34:48 AM
From: Mr. Aloha	1 Recommendation Read Replies (2) \| Respond to of 219066

If you're sure the one account will go up based on GZ's model, why not do that for both accounts and donate the resulting huge taxable account to charity rather than letting it go to zero?

To: chartseer who wrote (43565)	1/10/2013 12:08:50 PM
From: steve from ihub	Respond to of 219066

since you asked for ideas, here are my thoughts on what you have proposed your return on the total of the two accounts in a perfect world would be one half of the cash value of the loss carryovers on the IRA account. the gains in your ROTH and losses in the IRA would offset assuming they are of equal value when you start. personally i would rather pay taxes than have dead money in my retirement accounts for however long the process takes. example make 100k gains in ROTH lose 100k in IRA leaves say 30% of 100k IRA loss as a tax carryover as a cash equivolent 30k over 200k is a 15% return. pretty good if you do it in one year. not a likely scenario imo. should it take 2 years.... 7.5% return 3 years... 5% return now you should look at what you can return in the accounts using you past trading results or using GZ's model etc. if your after tax return is better than those returns above then it doesnt make sense to do it. then the best thing to do is convert the IRA to the ROTH over time and do more heavily in years your income is lower. i converted my IRA to a ROTH a few years ago. i waited until after i sold my business and income was low then converted half on the last day of the year and and the other half on the first day of the year to spread the taxes over two years. it still cost me some additional taxes, but i would much prefer to let my money compound AND be withdrawn tax free. hope it helps. if not it was still fun to use my brain for a change