Roth IRA vs Mutual Funds

My understanding of the new SECURE act is that an inherited Roth IRA must be distributed within 10 years and that the beneficiary does pay income tax on it. With that in mind, would it make sense to use the $ 12,000 (for a couple) that would normally be used to invest in Roth IRA, to just buy non- retirement account mutual funds? From what I know, inherited mutual funds get “stepped up” to their value on the day of death and then taxes are paid based on that, but is there a “must... Roth IRA vs Mutual Funds
Source: Student Doctor Network - Category: Universities & Medical Training Authors: Tags: Finance and Investment Source Type: forums