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Bloomberg News Traditional IRAs are still a gorilla of the retirement marketplace, with around $11 trillion in assets, according to Cerulli Associates. But Roth IRAs are the fastest-growing segment of the IRA market, with assets topping $1.2 trillion last year, three quarters held by investors age 60 or older. IRS rules don’t limit how much of a traditional IRA can be converted to the Roth variety. The converted amount appreciates over time, and withdrawals are tax-free. The hitch: when converting, you have to pay the taxes due on the traditional IRA’s appreciation at the time. Unlike traditional IRAs, Roth plans don’t have required minimum distributions once an investor hits age 72. RMDs are taxable, so transferring money to a Roth can lower an investor’s annual tax bill and move money out of her estate, leaving more money for heirs. Conversions became possible in 1998 under IRS rules. They spiked in 2010 when income limits were scrapped and investors got tw

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