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First I understand the issue of giving advice for financial investments. I am only bringing this up for general discussion.
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This Link got me thinking about the types of retirement investment.
401K through Work
Personal IRA
Personal Roth IRA
Now there is a Roth IRA through work as well, that has the same limits (* from my readings and understanding *) as the 401K via work.
So, if I take advantage of works plans for 401K and I max it out. (*
*) What would be my other options? I cannot do the Personal IRA as I have monies in the work 401K. So now I can do the Roth IRA if I want to save more. Yet if I make more than a certain amount (* $100,000 for single - Yeah right like I make over that *) I cannot contribute to the Roth account. So obviously that would be the way to go for me.
Yet for sake of arguement and the article I linked in, should I be looking at the IRA's so I can then take advantage of the 2010 conversion to Roth that is Tax Free?
Also why are these new Roth IRA's Tax Free while the other ones are not/ i.e. you pay tax on the earnings of the investments?
Thank you for your time and discourse.
First I understand the issue of giving advice for financial investments. I am only bringing this up for general discussion.
***********************************************************
This Link got me thinking about the types of retirement investment.
401K through Work
Personal IRA
Personal Roth IRA
Now there is a Roth IRA through work as well, that has the same limits (* from my readings and understanding *) as the 401K via work.
So, if I take advantage of works plans for 401K and I max it out. (*

Yet for sake of arguement and the article I linked in, should I be looking at the IRA's so I can then take advantage of the 2010 conversion to Roth that is Tax Free?
Also why are these new Roth IRA's Tax Free while the other ones are not/ i.e. you pay tax on the earnings of the investments?
Thank you for your time and discourse.