US Treasury 15% Tax vs Roth IRA or Roth 401K

Hello,
I am hearing the possibility of the US treasurey offering a 15% flat tax on early cash in , with this percentage ( % ) going up after a period of time and continuing to go up over time.

I Have Not read anywhere on the forums where someone has addressed the issue if Dinar was purchased by an IRA or 401K ROTH... From what I have read. there should BE NO reason to cash in with the US Treasure, as the ROTH has NO capital gain... ( IE No percentage ) AND unless you take your WHOLE cash in amount of money..... out of the ROTh and into personal income YOU will not show an in come of possibly several millions, from what was chump change the previous tax year.

I uderstand that you will have to report to the US Treasury or some govt. group HOW much is in the Roth retirement plan...but there is NO Tax on it unless it is withdrawn or distributed to yourself..at which time it is potentially reported, and possibly taxed, depending on a number of reasons. Too many to list here... but all related to your age, and number of years in a plan.

In summing up AS I understand from what I have heard on the forums......the 15% is a good deal, IF YOU Have not planned or unable to set up these other avenues of protection...

Comments are very welcome.

Grayfree, your scheme will not work. You are limited on how much money you can put into a 'qualified IRA' and into a ROTH. The ROTH is about 5 or 6,000 per year, not sure.
It would be foolish to put money into a Qualified IRA, because you don't know what the tax rate is going to be when you take it out. You would only know what 'your precieved tax saving' is now, but the computation is not complete until you draw it out and pay taxes on the gain. If you think personal taxes are going down in the future, it's a good deal. However if you feel that taxes are going up in the future, it's a bad deal because you will pay more taxes.
Donzi

If it's factual that the federal tax rate is going to be 15% if you cash in early, it's a no brainer. Pay the tax and they are off your back. Don't try to dodge the tax.
Donzi

Hi Donzi
Thanks for you input... you are mistaken though about one point. actually not misteken...If Dianr is purchased with Roth money as an assett of the Roth...then any capital gain of this assett ( Dinar) or for that matter any other assett.. is not taxed with capital gains tax. Roth investment money is Post tax money...that you have already paid taxes on and then you put into a retirement plan...thus any gain is NOT taxed.

You are correct about limits in What you can put into a plan each year, IRAs are something like 5,000. and the 401 can be 16K or a little more depending on your age and when you start the plan. But the big deal is to buy the dinar or invest with Roth money.
Thanks for any other comments.

grayfree, you're correct on that point. My bad. But please don't put money into a qualified IRA where you are going to have to pay taxes in the future when you take it out - we don't know what that tax rate is going to be, but I bet it will be higher than it is now.
Other safe places to put money is in various insurance company annuities. They can be fixed, where the interest rate is stated every year, or they can be LINKED to the S&P 500 (NOT in the S&P, but LINKED). The nice advantage of that is, WHEN the S&P goes down or negative, you don't lose ANY MONEY, you just make '0' percent that year. So you get all of the 'up's' but none of the 'downs'.
Don't put money into a 'variable' annuity. It's effectively in the stock market and you can and will lose money.
If you wish to look into these area's, let me know and I'll point you in the right direction.
Donzi