While a bad economy may eat into your retirement savings, it can also provide you with an unusual “opportunity” to convert your traditional IRA into a Roth IRA. While it’s true that when you convert a traditional IRA to a Roth IRA, you must pay income tax on the money you roll over, if the balance in your traditional IRA has declined due to market loss, fewer dollars in your account means a smaller tax bill. You will have less tax to pay to roll it over to a Roth IRA.
The big perk of Roth IRAs is that withdrawals taken after age 59 are completely tax free so an economic downturn is an opportunity for you to save on taxes with a rollover and then save again on taxes when you withdraw from your Roth account after the economy has recovered.
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Roth IRAs are usually recommended for younger investors since they require a longer time to benefit from the compounding interest, but during a declining stock market, a Roth IRA could benefit most anyone. As long as your adjusted gross income is less than $100,000 for the year, this is an opportunity to consider.