For years, mainstream advice has been to invest most of your retirement money in conventional Individual Retirement Accounts (IRAs) or 401(k)-type vehicles.

What about their Roth versions, which feature tax-free withdrawals (if you meet certain rules), even though you have to pay income taxes on contributions? Weren’t those only for people who believed their tax rates would go up in retirement?

I’m here to rock the boat. I have no idea whether you’re going to be in a higher tax bracket when you stop working full-time. But the Roth accounts could be a better deal, even during this uncertain pandemic environment. Here’s why:

Jeanne Fisher, a certified financial planner, says “participants who are focused solely on tax rates today versus tax rates in the future are completely missing the point that all of the growth in the Roth 401k is tax-free while with a traditional 401k the contribution and the