Fair Warning..Conventional IRA vs Roth
With the stock market moving down and your instinct being not to make withdrawals, just remember if you have a conventional IRA and you are 70 1/2 you are required to make withdrawals wether you want to or not.
That means that RMD is going to take another bite out of your IRA in a down market.
Example: 4% RMD and 1% management fee add to the losses in valuation of you IRA.
Any thoughts about a ROTH IRA?
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