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Your ability to offset your current tax liability with your traditional IRA contributions can be limited by your income.Once you reach certain thresholds (which are set based on whether or not you (or your spouse) have access to a retirement plan through an employer), your deduction starts to phase out. Betterment is not a tax advisor and cannot provide tax advice. You should consult a tax professional regarding your personal situation.
If you can’t contribute to a Roth IRA due to income restrictions, but you are concerned about taxes in the future, you can convert from a traditional to Roth IRA, and pay taxes now.
Generally, if you feel that your taxes will be higher in the future, a Roth is considered a good choice.
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A traditional IRA is also ideal if you think that your taxes will be lower later.
You’ll put off paying your taxes until you are likely to owe less.