[brewdad]

I can almost guarantee Roth IRA holders will get screwed in the future. At least 401k holders got a tax break on the front end. Also, most middle class workers have at least something in a 401k, especially since companies are moving towards an opt-out model on 401ks. Relatively few Americans use Roth IRAs and most are "high" income types.

Politically, it will be a slam-dunk to tax the crap out of money coming out of Roth IRAs in the future.

[rskar]

I'm trying to imagine under what political circumstance the Roth IRA would have its basic premise completely up-ended. Between a breach-of-contract and a gaggle of irate retirees, I see no slam-dunk here at all.