Roth IRAs
News, insights and expert analysis on roth IRAs from the team at Kiplinger.
Tax-free income is the dream of every taxpayer. And if you save in a Roth IRA account, it's a reality. These accounts offer big benefits, but the rules for Roths can be complex. If you'd like to know more about Roth IRAs, start with our beginner's guide: everything you should know about Roth IRAs then work your way through our other features and guides on smart strategies to ensure you can end up with a tax-free stream of income down the road.
Latest
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3 Estate Planning Strategies That Thrive in Volatile MarketsDiscover how GRATs, Roth conversions, and gifting enable you to capitalize on market volatility and transfer wealth to heirs tax-free.
By Donna Fuscaldo
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Why a Down Market is the Best Time for a Roth IRA ConversionPlunging stock prices may keep investors up at night. But there's a silver lining to a down market: it's a prime time to save taxes on a Roth IRA conversion.
By Adam Shell
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What You Should Know About Spousal IRAsWithout spousal IRAs, you would need earned income to contribute to your retirement account.
By Sandra Block
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10 Ways to Strengthen Your Retirement Plan TodayTaking action in areas like tax efficiency and estate organization can help you secure your future while also allowing you the freedom to enjoy your savings.
By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®
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Could a Roth Conversion Today Make You Wealthier Tomorrow?Roth conversions sound like a no-brainer — pay more tax now to pay less in future. But you need to understand your tax bracket to make sure they'll work for you.
By Dale Smothers, MBA, RICP®
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Quiz: What’s Your Stealth Wealth Personality?Quiz Find out what your money habits say about you. Find your stealth wealth personality in seven quick questions.
By Kiplinger Staff
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6 Situations Where a Roth Conversion Is a Bad Idea for RetireesA Roth conversion is a powerful tax-saving tool, but there are several situations where taking that leap might actually cost you more in the long run.
By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®
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A 'Mega Backdoor Roth' Can Save Thousands More for RetirementThis Roth retirement savings strategy allows high earners to sock away up to $72,000 a year — if their workplace plan permits it.
By Adam Shell
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Blindsided by Medicare’s 2-Year IRMAA Rule? Now What?A sudden spike in your income can trigger costly Medicare surcharges two years down the road. Here is how affluent retirees can protect their wealth.
By Maurie Backman
