unless I misunterstand your question, I would dump it all into the Roth Acct, being as it is tax deferred...meaning no taxes on it till you withdraw...It's been a while and I am not 100% on whether the roth is tax deferred or tax exempt.


Upon more thinking, the Roth is tax exempt w/a max deposit per year of 2K.  The IRA is tax deferred, meaning no tax on deposited cash, until you withdraw.  so the idea is to put a bunch in your IRA, and transfer as much as possible into your Roth each year.