To answer your question, you need a crystal ball. How much return will you make in the future, what changes will be made to tax laws and rates, how long will you live? Over the years, most articles by "experts" that I have read say that you should delay paying taxes for as long as possible. That is what I plan to do. But, it is not an all or nothing decision. You can convert some money to a Roth and leave some in a tax deferred account. Diversification.
|