Fight the Bear-Market Blues With a Roth IRA

“A Roth IRA is the best retirement plan to own; the big question is how much you have to pay to get it,” says Natalie Choate, a tax lawyer in Wellesley, Mass., who has long specialized in retirement accounts and done several conversions herself.

The reason to consider a conversion in a bear market: When the value of assets like stocks and funds fall, the taxes on conversions to Roth IRAs often drop as well, and there’s greater potential for asset growth and withdrawals that are tax-free.

Click here to read more about Roth conversions in this Wall Street Journal article.