How to Pace Out Roth Conversions
If 80% of the whole is taxable, tax must be paid on 80% of the amount converted. It doesn’t matter whether you convert a stock fund that has tripled in value or a money-market fund that has just held steady.
If 80% of the whole is taxable, tax must be paid on 80% of the amount converted. It doesn’t matter whether you convert a stock fund that has tripled in value or a money-market fund that has just held steady.

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