IRA vs. Roth IRA. Comparison Analysis of Cash Flow and Plan Assets Preface. Presented By: [Licensed user's name appears here]
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1 vs. Comparison Analysis of Cash Flow and Preface The disadvantage of a instead of an is contributions to a Roth are not deductible. The two advantages of utilizing a instead of an are 1) tax free distributions from plan values and 2) the absence of government-directed required minimum distributions. Comparison of s Example of a $25, $25, Income Tax Bracket 3.% n/a Net Cash Flow $17,5 $25, This difference can be further compounded in favor of the Roth due to its likely increased value since it requires no required minimum distributions. Another advantage of a involves children who inherit it. Due to the Roth's absence of required minimum distributions, it will likely have a greater inherited value. This, coupled with tax free distributions for children from an inherited Roth, can produce a major difference in wealth for heirs. From a generational perspective, a Roth transformed into an inherited Roth for the children is a winner by a substantial margin. The graph below is a summary of the distribution results from this analysis. The identical amount distributed from each plan produces more after tax cash flow from the Roth, 42.86% more in this example, and this difference occurs year after year. Current Age: 45 s Begin at Age: 65 Values When s Begin: $445,156 Current Age: 45 s Begin at Age: 65 Values When s Begin: $375,331 $1,51,927 s $736,349 s (age 94) $736,29 s $736,29 s $557,951 (age 94) $ Page 1 of 5
2 vs. Comparison Analysis of Accumulation of Initial 5, 7.5% Initial 5, 7.5% I R A Accumulation Year Age (1) in (2) Contribution to the (3) (4) (5) in (6) Contribution to the (7) (8) , 5, 55, 59,125 5, 3,5 53,5 57, ,125 5, 64,125 68,934 57,513 3,5 61,13 65, ,934 5, 73,934 79,479 65,589 3,5 69,89 74, ,479 5, 84,479 9,815 74,271 3,5 77,771 83, ,815 5, 95,815 13,1 83,64 3,5 87,14 93, ,1 5, 18,1 116,11 93,637 3,5 97,137 14, ,11 5, 121,11 13,184 14,422 3,5 17, , ,184 5, 135, , ,16 3,5 119, , ,323 5, 15, , ,48 3,5 131,98 141, ,597 5, 166, ,92 141,879 3,5 145, , ,92 5, 184,92 197, ,282 3,5 159, , ,899 5, 22, , ,766 3,5 175, , ,116 5, 223, ,85 188,411 3,5 191,911 26, ,85 5, 244,85 263,214 26,34 3,5 29,84 225, ,214 5, 268, ,33 225,539 3,5 229,39 246, ,33 5, 293,33 315,33 246,217 3,5 249, , ,33 5, 32,33 344, ,446 3,5 271, , ,355 5, 349, , ,342 3,5 295, , ,557 5, 38,557 49,99 318,3 3,5 321,53 345, ,99 5, 414,99 445, ,645 3,5 349, ,331 1, 7, results are hypothetical only. Actual results will vary due to changes in contributions and withdrawals, income tax brackets, and investment performance. Page 2 of 5
3 vs. Comparison Analysis of Cash Flow and 7.5% Income Tax Bracket 3.% 7.5% I R A Year Age (1) in (2)* IRS Required Minimum (3) (4) (5) (6) in (7) IRS Required Minimum (8) (9)** (1) ,156 35,61 24,543 44, ,331 24,543 24, , ,852 35,61 24, , ,97 24,543 24, , ,225 35,61 24, ,25 378,996 24,543 24, , ,25 35,61 24, ,93 381,37 24,543 24, , ,93 35,61 24,543 42, ,231 24,543 24, , ,155 15,334 35,61 24, , ,59 24,543 24, , ,975 15,622 35,61 24,543 47, ,126 24,543 24,543 39, ,332 15,911 35,61 24,543 4,191 39,852 24,543 24, , ,191 16,22 35,61 24, , ,782 24,543 24, , ,515 16,492 35,61 24, , ,932 24,543 24,543 4, ,262 16,78 35,61 24, ,391 4,318 24,543 24,543 43, ,391 17,63 35,61 24, ,854 43,958 24,543 24,543 47, ,854 17,257 35,61 24, ,62 47,871 24,543 24, , ,62 17,517 35,61 24, , ,78 24,543 24, , ,581 17,671 35,61 24, , ,6 24,543 24, , ,734 17,793 35,61 24, , ,461 24,543 24, , ,998 17,877 35,61 24,543 36,37 426,687 24,543 24, , ,37 17,913 35,61 24, , ,35 24,543 24, , ,589 17,889 35,61 24, , ,344 24,543 24, , ,767 17,791 35,61 24, , ,836 24,543 24, , ,758 17,484 35,61 24,543 24, ,815 24,543 24, , ,474 17,55 35,61 24,543 22, ,317 24,543 24, , ,818 16,479 35,61 24, , ,382 24,543 24, , ,689 15,724 35,61 24, , ,52 24,543 24, , ,974 14,748 35,61 24, , ,372 24,543 24, , ,556 13,382 35,61 24, ,37 495,391 24,543 24,543 56, ,37 11,695 35,61 24,543 98,89 56,162 24,543 24, , ,89 9,617 35,61 24,543 67, ,74 24,543 24,543 53, ,755 7,58 35,61 24,543 35,145 53,187 24,543 24, , ,145 3,862 35,145 24,62 543,567 24,543 24, , ,216 1,51, , ,29 736,29 *Column (2) projects an estimate of the required minimum distribution based on the Uniform Lifetime table life expectancy factors, recalculated each year based on asset value and client age. results are hypothetical only. Actual results will vary due to changes in contributions and withdrawals, income tax brackets, and investment performance. **Income tax bracket is irrelevant with this. Summary of 3 Years 557,951 Cum. s 736, ,29 Page 3 of 5
4 vs. Comparison Analysis of Cash Flow and at age 94 1,51, ,349 Cum. s () Cum. s () 736,29 736,29 557,951 Cum. s () Cum. s () Note: All projections are based on client furnished data and assumptions. Page 4 of 5
5 vs. Comparison Analysis of Cash Flow and s () s () $1,k Cum. Distrib. () $1,k Cum. Distrib. () 75k $736,349 75k $736,29 5k 5k 25k 25k $1,k $1,k 75k 75k 5k 5k $557,951 25k 25k $ Note: All projections are based on client furnished data and assumptions. Page 5 of 5
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