Your Guide to Roth Conversions

A Kiplinger Special Report

Image of Kiplinger's special report on Roth conversions

What you don't know about converting money from your traditional IRA to a Roth IRA could cost you – or your beneficiaries – dearly. Here are just three common misconceptions.

  • Converting money from a traditional IRA to a Roth IRA is a sure way to reduce your federal income tax. (Not always.)
  • Roth IRAs can grow tax-free forever, withdrawals are never required. (It depends.)
  • Converting money to a Roth IRA has nothing to do with your Medicare or Social Security benefits. (Actually, it matters a great deal.)

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