NSAV Holding Inc (NSAV)

[shotsky]

The key difference between Roth and traditional IRAs lies in the timing of their tax advantages: With traditional IRAs, you deduct contributions now and pay taxes on withdrawals later; with Roth IRAs, you pay taxes on contributions now and get tax-free withdrawals later.
You are STILL funding the Roth with after tax money. But you are right - the withdrawals are tax free.
My IRA was a 401K rollover, so it was funded with before tax money. I pay when I take distributions, as if it were regular wages. But I can make millions in that IRA with no tax implications until I withdraw.
To convert it would mean I would have to pay the taxes up front...BAD idea for me.