Originally Posted by
mispoken
rolling from MBCBP to IRA is not taxable. It would extend your tax deferral from retirement age to age 72. My point is that these taxes have to be taken into account to get a truly accurate picture. To simply say $1000 untaxed gets invested today vs $600 taxes today into a Roth is not the complete picture. Taxes on either method need to be factored in. But we are kind of just spinning our wheels at that point making guesses. Hard to know what taxes will be in 20 years, but they DO exist, even on MBCBP Deferrals.
Again, fair enough (& agreed). That same logic needs to be applied, though, to any tax-deferred annuity--which, on the original list, was the only one listed as "further deferral," vs "taxable" for the others. That's my only point, that an IRA rollover may be taxable (Roth IRA) or tax-deferred (traditional IRA).