Roth Conversion Benefits | Money Education

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Converting a traditional IRA to a Roth IRA requires that the balance being converted (excluding any portion that is after-tax basis) be picked up into income in the year of the conversion.

A Roth conversion is generally more beneficial with higher future tax rates, higher investment returns, and higher rates on investment income.

Participants of a 401(k) plan that offers a Roth account, are permitted to convert vested account balances to the Roth account, as long as the plan so permits. Such a conversion is called an in-plan Roth rollover and will...

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