Doing Roth conversions of your traditional IRAs could be a smart move, even if you’re taking required withdrawals from them.

Decades of tax-free earnings, for starters, plus tax-free withdrawals Fact checked by Vikki Velasquez People tend to be in a lower tax bracket when they are younger than when they are in retirement, which is one reason why Roth individual retirement accounts (IRAs) are ideal for Millennials.

Transferring funds from a pre-tax retirement account such as an IRA to an after-tax Roth IRA is a move many retirement savers might want to consider. A Roth conversion, as the move is called, has many benefits.