While introduced only in 1997, the Roth IRA has become a major retirement vehicle for millions of Americans. While everyone knows that the Roth IRA provides tax benefits, most people have difficulty quantifying precisely how valuable the Roth IRA is compared to other accounts.
So in this article, let’s try to quantify how valuable a contribution to a Roth IRA is compared with a taxable account. The results may surprise you.
Introduction to Roth IRAs
Roth IRAs were created into the tax law in 1997 by Senator William Roth of Delaware, and by 2007, more than 50 million taxpayers held a Roth IRA.
Roth IRAs have always had an income phaseout for direct contributions, which is $120,000 for single taxpayers and $189,000 for married filing jointly taxpayers in 2018.
This means that most high-income professionals such as physicians are not permitted to directly contribute to a Roth IRA because of income limitations. However, Congress recently stated in a footnote of the tax bill that contributing to a so-called backdoor Roth IRA is legal.
The backdoor Roth IRA involves making a non-deductible contribution to a traditional IRA, followed by a conversion to a Roth IRA.
Benefits of a Roth IRA
While you cannot deduct contributions to a Roth IRA or backdoor Roth IRA like you can in a traditional retirement account, there are still multiple benefits to investing in a Roth IRA:
- Tax-Free Growth: As your investments grow, you do not have to pay taxes on your profits from dividends or capital gains. You would have to pay taxes each time you receive a dividend or sell an investment for a profit in a taxable account.
- Tax-Free Withdrawals: Withdrawals after the age of 59 1/2 are tax-free. In a traditional retirement account such as a 401(k), withdrawals are taxed as ordinary income.
- No Required Minimum Distributions: Unlike in many other retirement accounts, you are not required to withdraw money from a Roth IRA after a certain age.
Calculating The Value Of A Roth IRA
So how valuable is a Roth IRA? I’ve previously calculated the benefits of a traditional 401(k). The benefits of a Roth IRA are more straightforward.
The money you save with a Roth IRA compared to a taxable account is approximately the tax savings of a Roth IRA compared to a taxable account. If you never sell your stock in your taxable account until retirement, the approximate benefit is simply your investment gains multiplied by the long-term capital gains tax rate.
We assumed that the taxable account was managed in the most tax-efficient way (i.e. buy an index fund once and never sell until retirement). If you invest in a less tax-efficient manner, i.e. you do short-term or long-term trading, the tax benefits of the Roth IRA are even greater, since trading incurs tax consequences in a taxable account but not in a Roth IRA.
An Example
Consider a 35-year old who contributes the maximum $5,500 to a Roth IRA (either directly or indirectly through the backdoor Roth IRA). Here are our assumptions:
- Comparator arm is a taxable account.
- Long-term capital gains tax rate – 15%
- Investment returns – 5% real (after-inflation) returns
- Time horizon – 30 years (retire at age 65)
- Trading frequency: never – she would invest her money in a low-cost index fund either way and never sell until retirement
- Withdrawal strategy: she will immediately withdraw money at age 65 (for simplicity)
In this case, the $5,500 initial contribution will grow to $23,771 in 30 years, which if liquidated, would save you 15% * ($23,771 – $5,500) = $2,741 in taxes, or almost 50% of the original contribution.
What Affects The Tax Benefits Of A Roth IRA?
Long-term capital gains rate
The amount of benefit you get from contributing to a Roth IRA instead of a taxable account depends on the long-term capital gains rate. If Congress were to raise the capital gains rate in the future, your Roth IRA becomes more valuable.
Investment returns
Higher investment returns means more money that is protected from taxes when compared to a taxable account.
Trading frequency
While I certainly do not recommend it, if you must trade, you should trade in a Roth IRA instead of a taxable account. All the trades in a taxable account are taxable events. On the other hand, you could theoretically day-trade in your Roth IRA without worrying about short-term capital gains.
Time horizon
The longer your investing time horizon, the larger your Roth IRA (and its tax benefits) will grow. If you pass your Roth IRA to your child or grandchild after you die (the so-called Stretch Roth IRA, described below), you can even lengthen the time horizon of the Roth IRA to beyond your own lifetime.
Stretch Roth IRA
One of the benefits of a Roth IRA is that you can pass it down to a beneficiary tax-free. This is a so-called stretch Roth IRA. Once the Roth IRA is passed to a beneficiary, the Roth IRA becomes subject to required minimum distributions, but these distributions are tax-free.
This means that if you were to invest in a Roth IRA when you are 30, die at age 95 and pass it on to your 25-year-old grandchild, the Roth IRA could have over a century of tax-free growth. The benefits of a Roth IRA are in proportion to how much tax-free investment gains it creates, and the longer you (and your heirs) hold the money in the Roth IRA, the more tax-free benefits it will provide.
Conclusion
The tax benefits of a Roth IRA are quite significant, especially early in your career. The value of a Roth IRA is based primarily on the expected total return of the Roth IRA. For young investors with a long investment time horizon, a Roth IRA can be very valuable.
And if you end up not using your Roth IRA during your lifetime and pass it on to your children or grandchildren in the form of a stretch Roth IRA, the Roth IRA’s value becomes even greater.
Because of the account’s tax benefits, physicians and other high-income professionals should strongly consider contributing to a backdoor Roth IRA in addition to their other tax-advantaged accounts.
What do you think? How valuable do you think a Roth IRA is? Are you planning to never withdraw from your Roth IRA and leave it to a child or grandchild (stretch Roth IRA)?
I plan on using my Roth at some point. My kid can figure out their finances and not depend on a big inheritance. Tax planning is huge though and converting money to a Roth seems like the smart move.
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I plan on using some of my Roth IRA, but plan to leave most of it to my kids as a stretch IRA. They will have to pay RMDs on it, even though I get to avoid them during my life. That said… The RMS is tax free money they can invest or spend and the rest continues to grow tax free.
I actually put $29500 into Roth accounts each year and the rest of my retirement contributions go in viw pre tax contributions (totaling about $50k).
Once my debt is paid off from med school I’ll open a taxable account. Plan to draw down taxable first, then pre tax, then Roth if I have to.
I was very exited when I learned about the opportunity to do a backdoor Roth, as I think the tax-free earnings will be great whether I withdraw in retirement or pass this account on to my children. I just completed my backdoor Roth this past week and I am now looking to go ahead and invest next years IRA contribution of ~5.5k into this retirement account to let it start compounding. Aside from the bond fund I already own within this Roth (BND), I want to max out this account and was wondering would you recommend going with Vanguard Total Stock Mkt Idx Inv (VTSMX) since I do not have the 10k minimum for admiral shares? Or would the Vanguard Total Stock Market ETF (VTI) be better due to the lower ER?
I would invest in VTI because of its lower ER.
Cardiologist 65 nearing retirement –
The benefits of Roth Conversions look hazy to me with no calculator/software to project clearly the tax benefits later in my life or less total taxes paid during my lifetime. I understand its inheritance benefits though.
Any recommendation of a software you may know which does that ?
Thanks
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join this organization for so many years now, I was scammed by fake
agent in south Africa and india, I was down i could not feed my self
and my family anymore and I tried to make money by all means but all
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have scammed my money, one day I came across a post of someone giving
a testimony thanking a man called nathaniel nelly for helping him to
join the illuminati brotherhood, then I looked at the man’s email and
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because i was scammed a lot of times by scammers who took my $50,000
and went away with the money then I was very confused so I decided to
contact the person that was given the testimony and i called him and I
communicated with him on phone calls before he started telling me his
own story about when he wanted to join he told me everything to do,
then I made up my mind and called the agent called nathaniel nelly and
he told me everything to do and I was initiated, surprisingly I was
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Update June 20, 2023
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My words of advice to everyone out there, please have a proper insight before investing in these online cryptocurrency trading platforms and binary options. My co worker introduced me to one such platform where he had invested $300,000 which would generate $500,000 in 2 weeks. After much convincing from my work partner, I saw it as a lucrative opportunity and so I jumped on it and invested my $215,500 to earn $430,000 within the same period. I started noticing red flags when they asked my colleague to pay for such charges to facilitate the withdrawal process which was never successful. The same happened to me when my 2 weeks was due, By the time we realized it was a scam, they had already robbed us a total of $850,000. We opted to hire an investigator and a top hacking syndicate who took our case, and in three days, they had tracked the scammers and refunded our money. Contact them on spyhost@cyberdude .com
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I do have to let everyone hear this good news, I was scammed by an online crypto vendor with $800k I wept and almost wanted to end my life but when a friend of mine introduced an online hacker called Adrian He recovered all the Bitcoin that they scammed from me without remaining a dime. I am very excited and happy I got it recovered, I will advise anyone that falls victim to consult and communicate with the honest Adrian Lamo hacker via email at Adrianlamo@consultant.com thank me later.
While i was trading on Bitcoin on the 10th of May of 2023, I unexpectedly lost my $215,000,! I was frustrated and had no idea on how to recover back my lost funds? I did an extensive research on how to recover stolen Bitcoin funds and I came across several referrals and Ads that had gotten help from `leeultimatehacker@aol.com I made contact and I was actually very impressed with the service that i got, not only did I recover back my $215,000, I also got back my hacked social media accounts,If you ever run into such a nerve racking situation don’t stress out just contact
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Update August 28, 2023
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Update September 7, 2023
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on you, if you have been scammed so many times, my advise for you is
not to give up, because the illuminati brotherhood is real, i joined
the real illuminati paying just 300usd, to join the illuminati, i want
you all to know today, , you don’t pay money to join, my advice for
you all is to make up your mind and join the illuminati brotherhood,
when my initiation process was completed the benefits amount which was
given to me is $1,000,000 to start a new life, this is the reason why
i can not stop hailing the illuminati brotherhood, Are you a musician
or a politician or a business person and you want to become rich in
what you do if you are in any kind of problems or you in support in
life, my advice to you is to join the illuminati brotherhood so that
all your problems can be solve in life, to join the illuminati
brotherhood you can contact Nathaniel Nelly on whatsapp,+1 (214)
836-1987 or Email him on illuminatinationwide2@gmail.com
HELLO EVERYONE I WAS BROWSING THE INTERNET AND I SAW A LOT OF
WRONG QUOTE CONCERNING THE ILLUMINATI SOCIETY, I FELT BAD ABOUT
IT, I WANT TO LET YOU KNOW FEW THINGS ABOUT THE ILLUMINATI SOCIETY.
FIRST, I JOIN THE ILLUMINATI SOCIETY THROUGH THE HELP OF AN AGENT
SOMEONE INTRODUCED ME TO ONLINE, AFTER YEARS OF DETERMINATION TO BE A
MEMBER. BEING A MEMBER OF THE ILLUMINATI YOUR WEALTH IS GUARANTEE, YOU
WILL BE PROTECTED, FAME, POWER INFLUENCE E.T.C ALL THESE THEY WILL
GIVE YOU. ONE THING I WANT TO CORRECT IS THAT THE ILLUMINATI DON’T PAY
MEMBER ANY SALARY, IF YOU ARE NEWLY INITIATED THEY WILL GIVE YOU THE
SEED OF WEALTH AND BLESS YOU WITH WISDOM, POWER, INFLUENCE E.T.C YOU
NEED TO BE SUCCESSFUL THE SEED OF WEALTH IS THE ONLY MONEY THE
ILLUMINATI SOCIETY GIVE TO THEIR MEMBER, WITH THIS YOU CAN START
ANYTHING WITH THE MONEY AND YOU WILL BE SUCCESSFUL. ANOTHER THING IS
THAT THE SOCIETY HAVE SPECIAL BLESSING FOR POLITICIANS AND SUPER
STARS. BEING AN ILLUMINATI MEMBER IS A PERSONAL DECISION, THE SOCIETY
DON’T FORCE OR BEG PEOPLE TO JOIN THEM. I JOINED BECAUSE I WANT TO, NO
BODY FORCE ME AND AM VERY HAPPY TO BE A MEMBER TODAY BECAUSE THEY HAVE
CONTRIBUTED GREATLY TO MY LIFE BY MAKING ME ONE OF THE LEADING
BUSINESS MAN IN THE WORLD. IF YOU ARE INTERESTED IN JOINING THE
ILLUMINATI SOCIETY CALL/WHATSAPP NATHANIEL NELLY on +1 (214) 836-1987
or email illuminatinationwide2@gmail.com HE WAS
THE ONE THAT HELP ME AND I PROMISE I WILL FOREVER BE GRATEFUL.
HELLO EVERYONE I WAS BROWSING THE INTERNET AND I SAW A LOT OF
WRONG QUOTE CONCERNING THE ILLUMINATI SOCIETY, I FELT BAD ABOUT
IT, I WANT TO LET YOU KNOW FEW THINGS ABOUT THE ILLUMINATI SOCIETY.
FIRST, I JOIN THE ILLUMINATI SOCIETY THROUGH THE HELP OF AN AGENT
SOMEONE INTRODUCED ME TO ONLINE, AFTER YEARS OF DETERMINATION TO BE A
MEMBER. BEING A MEMBER OF THE ILLUMINATI YOUR WEALTH IS GUARANTEE, YOU
WILL BE PROTECTED, FAME, POWER INFLUENCE E.T.C ALL THESE THEY WILL
GIVE YOU. ONE THING I WANT TO CORRECT IS THAT THE ILLUMINATI DON’T PAY
MEMBER ANY SALARY, IF YOU ARE NEWLY INITIATED THEY WILL GIVE YOU THE
SEED OF WEALTH AND BLESS YOU WITH WISDOM, POWER, INFLUENCE E.T.C YOU
NEED TO BE SUCCESSFUL THE SEED OF WEALTH IS THE ONLY MONEY THE
ILLUMINATI SOCIETY GIVE TO THEIR MEMBER, WITH THIS YOU CAN START
ANYTHING WITH THE MONEY AND YOU WILL BE SUCCESSFUL. ANOTHER THING IS
THAT THE SOCIETY HAVE SPECIAL BLESSING FOR POLITICIANS AND SUPER
STARS. BEING AN ILLUMINATI MEMBER IS A PERSONAL DECISION, THE SOCIETY
DON’T FORCE OR BEG PEOPLE TO JOIN THEM. I JOINED BECAUSE I WANT TO, NO
BODY FORCE ME AND AM VERY HAPPY TO BE A MEMBER TODAY BECAUSE THEY HAVE
CONTRIBUTED GREATLY TO MY LIFE BY MAKING ME ONE OF THE LEADING
BUSINESS MAN IN THE WORLD. IF YOU ARE INTERESTED IN JOINING THE
ILLUMINATI SOCIETY CALL/WHATSAPP NATHANIEL NELLY on +1 (214) 836-1987
or email illuminatinationwide2@gmail.com HE WAS
THE ONE THAT HELP ME AND I PROMISE I WILL FOREVER BE GRATEFUL.
HELLO EVERYONE I WAS BROWSING THE INTERNET AND I SAW A LOT OF
WRONG QUOTE CONCERNING THE ILLUMINATI SOCIETY, I FELT BAD ABOUT
IT, I WANT TO LET YOU KNOW FEW THINGS ABOUT THE ILLUMINATI SOCIETY.
FIRST, I JOIN THE ILLUMINATI SOCIETY THROUGH THE HELP OF AN AGENT
SOMEONE INTRODUCED ME TO ONLINE, AFTER YEARS OF DETERMINATION TO BE A
MEMBER. BEING A MEMBER OF THE ILLUMINATI YOUR WEALTH IS GUARANTEE, YOU
WILL BE PROTECTED, FAME, POWER INFLUENCE E.T.C ALL THESE THEY WILL
GIVE YOU. ONE THING I WANT TO CORRECT IS THAT THE ILLUMINATI DON’T PAY
MEMBER ANY SALARY, IF YOU ARE NEWLY INITIATED THEY WILL GIVE YOU THE
SEED OF WEALTH AND BLESS YOU WITH WISDOM, POWER, INFLUENCE E.T.C YOU
NEED TO BE SUCCESSFUL THE SEED OF WEALTH IS THE ONLY MONEY THE
ILLUMINATI SOCIETY GIVE TO THEIR MEMBER, WITH THIS YOU CAN START
ANYTHING WITH THE MONEY AND YOU WILL BE SUCCESSFUL. ANOTHER THING IS
THAT THE SOCIETY HAVE SPECIAL BLESSING FOR POLITICIANS AND SUPER
STARS. BEING AN ILLUMINATI MEMBER IS A PERSONAL DECISION, THE SOCIETY
DON’T FORCE OR BEG PEOPLE TO JOIN THEM. I JOINED BECAUSE I WANT TO, NO
BODY FORCE ME AND AM VERY HAPPY TO BE A MEMBER TODAY BECAUSE THEY HAVE
CONTRIBUTED GREATLY TO MY LIFE BY MAKING ME ONE OF THE LEADING
BUSINESS MAN IN THE WORLD. IF YOU ARE INTERESTED IN JOINING THE
ILLUMINATI SOCIETY CALL/WHATSAPP NATHANIEL NELLY on +1 (214) 836-1987
or email illuminatinationwide2@gmail.com HE WAS
THE ONE THAT HELP ME AND I PROMISE I WILL FOREVER BE GRATEFUL.
AM FRED from south Africa 32 years old am here to give a testimony on
how i became a member of the illuminati brotherhood it happened like a
miracle i have been trying to join the illuminati for 4 years now have
come across many scams that took my money i have have suffered a lot
but i never give up and am happy and grateful to Mr nathaniel nelly
that helped me join the illuminati he made me understand that
believing and ready to serve and obey the illuminati brotherhood was
the most important thing before you can be a member and know that the
illuminati is a society of riches power fame and every good thing in
life , now am living a happy life have what ever i wish to, when i met
Mr nathaniel nelly he promised me that he will help me join the
illuminati brotherhood and told me the illuminati brotherhood doesn’t
break promises so i took that as a reason to trust him he did as he
promised i received all my benefit in 3 days am using this media to
let you know that with the illuminati brotherhood you can become
anything you want in life but you must believe and ready to serve and
obey the brotherhood i will advise you confirm for yourself and have a
life change, all your problem will be solved and you will become all
rich respected and powerful, this the end of poverty in your life you
must not waste this great opportunity all that is required from you is
just to pay for your initiation items and be committed you contact +1
(214) 836-1987 ON WHATSAPP or email
lluminatinationwide2@gmail.com if you are ready to be part of
something great in life NOTE you must be humble and respectful to him.
Hello, Do you want to join the illuminati and be rich ,famous and
powerful? for the rest of your life ? Benefits given to new member who
join the illuminati Brotherhood!!!
into your bank account $50,000,000USD ……
Weekly salary $600,000USD ………
A car value at $400.000USD…….
Award contract worth $200,000,000USD…….
A House in any country of your own choice. And a free visa to your
dream country.Total lifestyle changes?? if you are interested,
WhatsApp Via:+1 (214) 836-1987,OR Email us on:
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Hi guys!
I’m Jack…
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FUNDS RECOVERY WITH EXNER PRO HACKER (EPH)I am sure most of us had asignificantly hard year on 2020. A year where most cryptos were becoming thenew deal in the markets. Most people if not all were rushing into its investment.Hardly did I know that this was a slopy road as well. Crypto scam was not a well-knownglobal thing until later in the 2021 and 2022. Losing $300,000 was amongst mymost traumatic experiences. With a touch on the phone, it was all gone. The investorescaped into thin air. I met Exner Pro Hacker later on in 2023 November. Quite frankly,I knew there would be no way on earth I was going to get my money back. Either way,these guys promised a thorough sweep into the case. Fast forward, they managedto recover $250,000 as the rest had been used. I could not be more grateful. Thatamount was more than okay with me. Don’t entirely give up on your lost crypto orfunds without consulting with Exner Pro Hacker. Reach them on their email, Exnerprohacker@protonmail.com. I wish you well.
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Having fallen victim to a cryptocurrency scam and losing $17,000 in BTC, I was devastated and felt hopeless. However, a Google post led me to Wizard Asset Recovery, a trusted digital assets recovery firm. With little optimism, I reached out to them for assistance. To my surprise, they successfully recovered my entire loss in BTC. I’m profoundly grateful and relieved for their help. If you’re facing a similar situation, don’t hesitate to contact Wizard Asset Recovery:
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The notorious “Bitcoin Bandit” had eluded authorities for years, amassing a massive digital fortune by hacking into cryptocurrency exchanges and digital wallets. But the tides have finally turned, as an elite team of cybersecurity experts and blockchain analysts, known as the “Cyber Genie Hack Pro” has managed to track down and recover money from these hackers and fake crypto exchanges. The operation was a masterclass in high-tech sleuthing, with the team painstakingly tracing the complex web of anonymous transactions and shell companies used by the Bitcoin Bandit to hide his tracks. Through advanced forensic blockchain analysis, intelligent pattern recognition, and sheer dogged determination, they could follow the digital breadcrumbs back to the hacker’s secret lair. Once the crypto bandit’s identity and location were uncovered, a carefully coordinated sting operation was launched, catching the unsuspecting criminal off guard and allowing authorities to seize every last satoshi of his ill-gotten gains. This landmark victory is a major win not just for the victims who will be compensated, but for the entire cryptocurrency community, sending a clear message that even the wiliest cyber-thieves cannot evade justice forever. The “Cyber Genie Hack Pro” team has proven that with enough skill, resources, and perseverance, even the most sophisticated digital heists can be unraveled and the stolen funds returned to their rightful owners. I was a victim of crypto theft, and having given “Cyber genie hack pro” the chance to help, I was glad they did as they promised me. I just wanted to let you know that this professional hacker and private investigators team is always on standby to help you.
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