In weighing whether to convert a traditional IRA to a Roth IRA,the expectation of lower tax rates at retirement is likely to bias the decision towards retaining the traditional IRA.

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If one believes that tax rates will be lower in retirement, it may make more sense to keep the traditional IRA and pay taxes on the distributions at a lower rate. Therefore, this expectation is likely to bias the decision towards retaining the traditional IRA.

In Weighing Whether to Convert a Traditional IRA to a Roth