Originally Posted by
Gunfighter
Having a mix of Roth and Traditional accounts may be the best option.
If you think out guessing the market is tough, try predicting tax policy 20 years from now.
"Proposal #3 - “Harmonize” the RMD Rules for Roth IRAs with the RMD Rules for Other Retirement Accounts
The proposal – In order to further “simplify” the RMD rules, the administration seeks to impose required minimum distributions for Roth IRAs in the same way they are imposed for other retirement accounts. In other words, this proposal would require you to take distributions from your Roth IRA once you turn age 70 ½ in the same way you would for your traditional IRA and other retirement accounts. If, however, you are already age 70 ½ at the end of this year (2015), you would be exempt from the changes that would be created by this proposal."
Wednesday, February 04, 2015--
By Jeffrey Levine, IRA Technical Expert