Splitting it gives you some options in retirement if your tax situation changes. When taxes are higher you draw from the roth when they're lower you can draw from the traditional.
Splitting it gives you some options in retirement if your tax situation changes. When taxes are higher you draw from the roth when they're lower you can draw from the traditional.
Hedging bets, folks need to realize as well we will be paying taxes on our pension, in which case that traditional withdrawal might bump you up in a tax bracket, the ROTH won't.