Your earnings and contributions are withdrawn tax-free so the buildup to retirement is much is greater. At retirement, however, contributions and investment earnings could be withdrawn tax-free. Contribution limits also would be raised by 50 percent for both types of employer-sponsored plans. In the short run, it may benefit those with middle income, but these are the same people who will end up paying for it as a subsidized tax break for the wealthy. Roth asks on his Web site.
Experts say it depends.
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