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Strategies & Market Trends : Value Investing -- Ignore unavailable to you. Want to Upgrade?

To: Paul Senior who wrote (52904)	11/30/2013 6:49:32 PM
From: ramsfan2ewe	Respond to of 78745

re: Roth Conversion <<this year it's a big loser-- the downtrodden stocks I moved into the Roth, fell further instead of being stable or rising as I had hoped. (In other words, not only will I'll have to pay taxes on the amount I moved into the 2013 Roth, that Roth amount has fallen and is now down substantially from when I've made these 2013 transfers.)>> If Roth conversions are made to a new Roth account then they can be recharacterized (reversed back to a traditional IRA) as late as Oct.15 of the following year. Ideally each security originally converted would be converted to a separate account in order to maximize potential tax savings. Now is a great time to recharacterize any underwater 2013 conversions as they can be reconverted in 2014 after a 30 day waiting period.