I here a lot about traditional to Roth IRA, but not vice versa. Is it possible to contribute to a Roth IRA for 4 years now and then switch funds to traditional IRA? Or just better to start fresh 4 years from now with a traditional IRA (unless Roth income limit changes)? With Roth IRA over 4 years of contributions ( roughly 20000K total), I am compounding yearly [Future value = current value (1+avg interest rate)^years] at 5.5%, and I get only like 130K at age 60. Seems like a poor investment for 30 years. Would it better to just go with a traditional IRA from the beginning or something else?