Letters to the Editor

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To the Editors:

New Rules for Converting to a Roth IRA” [by William Reichenstein, Douglas Rothermich, and Alicia Waltenberger, January 2010 AAII Journal] was an excellent look at converting to a Roth, especially since it approached the subject from the perspective of using IRA funds to pay the taxes.

I am curious about two other things that might affect the case in which tax rates rise in retirement. First, we are not generally allowed to keep our IRA funds intact, but are required to make mandatory withdrawals every year. The amounts not taken for taxes may be invested and may partially offset taxes paid early (annually). Second, converting a part of an IRA to a Roth would lower the total amount left in the standard IRA, thus reducing the mandatory withdrawal and possibly providing an additional tax saving

Barry McElmurry


Dr. Reichenstein Responds:

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Discussion

Dave from Washington posted over 2 years ago:

FOUR FUNDAMENTAL TESTS EVERY STOCK INVESTOR SHOULD USE.

Table 5 incorrectly lists the "Current Ratio" for DuPont as a percentage (%) when it is a multiple (X), such as correctly listed for the DOW column next to it.

Thanks for a great article.


Joe Mc Keefery from Pennsylvania posted 6 months ago:

I have a questions regarding the article by Stan Haithcock regarding Annuities in the Sept. 2013 issue.

In the section regarding Fixed Index Annuities the author makes confusing statements. He states that "costs are mimimal" at one point and then states that "built in commissions are very high". Please explain this apparent contradiction.

Thanks, Joe


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