• Skip to main content
  • Skip to header right navigation
  • Skip to site footer
Jason T. Micheli, PhD

Jason T. Micheli, PhD

Jason T. Micheli, PhD will help you learn how to invest smarter, lower your taxes, manage your risk, and achieve your financial goals.

  • PODCAST
  • ABOUT
  • WORK WITH ME

Traditional IRA vs Roth IRA For Retirement. Which Is Better?

Home » Blog » Traditional IRA vs Roth IRA For Retirement. Which Is Better?

How to Listen to Today’s Episode

Personal Finance Podcast on Apple Podcasts
Personal Finance Podcast on Google Podcasts
Personal Finance Podcast on Spotify
Click Here to Listen In Your Favorite Podcast App

Topics Discussed: Traditional IRA vs Roth IRA

In this episode we tackle the persistent, and sometimes heated, debate about which retirement account is better: Traditional IRA vs Roth IRA. Topics we cover include:

  • The main differences between Roth IRA accounts and Traditional IRA accounts
  • The main differences between Roth 401k accounts and Traditional 401k accounts
  • Which one might be better than the other when saving for retirement?
  • What other factors come in to play that would lead a person to choose one over the other if retirement savings is the goal?
  • Which one do we often prefer when planning for retirement?

Episode Summary: Traditional IRA vs Roth IRA

When saving for retirement, we use qualified retirement accounts, as opposed to regular brokerage accounts. The reason for this is that qualified accounts grow tax-deferred. This means that you don’t pay taxes on your investment gains until a later time, presumably at retirement, when you begin to take money outof the accounts. 

We talk about why it may make the most sense to put half in traditional accounts and half in Roth accounts. By doing this, you are diversifying your tax liabilities both now and in the future. 

Resources

Estimating what it costs to retire comfortably in every state

401(k) Contribution Limit Increases in 2020

Traditional 401(k) vs Roth 401(k)

How a partial Roth conversion can lower your taxes

📺 Video: What you need to know about Roth IRAs

Meet me at an upcoming event

Jason Micheli

Jason T. Micheli, PhD

Jason is a financial advisor in Orange County California and the Senior Vice President of Financial Growth Management, Inc. Jason graduated with a degree in finance from the University of Colorado in Boulder, and has graduate degrees from Princeton Seminary and the University of Wisconsin – Madison. When he’s not optimizing investment portfolios, you can find him traveling, searching for snow to ski in the mountains, or trying to learn how to surf.

Personal Wealth Newsletter

Don’t miss a single resource related to investment management and financial planning.

We will treat your email address as we would want others to treat our email address. We respect your privacy and will never sell your email address to another party. You will only receive updates from us, which you’ll receive when you opt-in. By clicking the button on this page, you agree to our Terms of Service and Privacy Policy.

  • Twitter
  • Facebook
  • YouTube
  • LinkedIn
  • Instagram

Copyright © 2023 Jason T. Micheli | Disclaimer | Privacy Policy