Well Bogdan, you may have listed some benefits, but how about the detriments? Here is one you can start with: The Roth IRA is the only investment that I know of, where you can actually lose more that your original investment. How? If your investment value goes to zero after you have converted to a Roth, you cannot claw back the taxes you have paid to do the conversion. Per your last statement: "It’s about positioning yourself to win under any scenario." I think it is misleading. As an investor, I always look at the worst case,,,
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Well Bogdan, you may have listed some benefits, but how about the detriments? Here is one you can start with: The Roth IRA is the only investment that I know of, where you can actually lose more that your original investment. How? If your investment value goes to zero after you have converted to a Roth, you cannot claw back the taxes you have paid to do the conversion. Per your last statement: "It’s about positioning yourself to win under any scenario." I think it is misleading. As an investor, I always look at the worst case,,,
Post: Roth Hidden Benefits
Link to comment from October 25, 2025