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Not more risky than investing in a personal brokerage account Aeryn Send a noteboard - 12/11/2012 06:09:32 PM
You're betting on a similar tax code many years into the future. Who knows, maybe 30 years from now we have a 10% tax or something. You just paid at higher tax bracket now when you don't know what it will be in the future.


Compared to a 401(k) or IRA, yes, maybe. Which is why most people will want some pre-tax and some after-tax accounts. However, Roth IRA is an excellent alternative to a personal brokerage account (where you would be adding after-tax money anyway) as a long-term savings vehicle. I think of IRA/401(k) as money I'll use in 30 years, and Roth IRA as money I'll use in 8 years.
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Primer on 401(k), Roth IRA and related decisions Aeryn - 09/11/2012 10:14:16 PM 568 Views
how do you feel about 403(b)? moondog - 09/11/2012 10:48:41 PM 405 Views
it's the same as a 401(k) Aeryn - 10/11/2012 12:05:35 AM 538 Views
Nice post, and thanks. Praziquantel - 10/11/2012 02:34:53 AM 430 Views
That's actually brilliant. Aeryn - 14/11/2012 04:29:28 PM 432 Views
Roth IRAs are risky Dark Knight - 10/11/2012 03:06:02 AM 424 Views
Fair point Praziquantel - 10/11/2012 03:49:35 AM 395 Views
Not more risky than investing in a personal brokerage account Aeryn - 12/11/2012 06:09:32 PM 529 Views
Are you planning on going off to work on your own as an investment adviser? Tom - 10/11/2012 03:17:14 AM 410 Views
No, not planning on it. Aeryn - 12/11/2012 06:07:04 PM 418 Views
As a financial planner.... unstuckman - 10/11/2012 11:05:58 PM 1227 Views
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