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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Quiz: Understanding Roth Conversions
Quiz Discover if a Roth conversion is the right move for you by taking our quick quiz.
By Donna LeValley
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Has the New Tax Law Killed Roth Conversions for Retirees?
The OBBBA's permanent lower tax rates removed the urgency for Roth conversions. Retirees thinking of stopping or blindly continuing them should do this instead.
By Jeremy Keil, CFP®, CFA®, CKA®
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IRA, SIMPLE and SEP Rules at a Glance: Contribution Limits, Income Limits and Rollover Options for 2025 and 2026
Here are IRA contribution limits, income limits and rollover rules for Roth, traditional, SIMPLE and SEP IRAs at a glance.
By Donna LeValley
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The Average IRA Balance by Age and Generation
Knowing how the average IRA balance of peers compares to your own could be the nudge you need to save more for retirement — or pat yourself on the back.
By Adam Shell
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16 Retirement Mistakes You Will Regret Forever
retirement From saving too little to claiming Social Security too early, there are plenty of ways that current and future retirees can sabotage their golden years.
By Bob Niedt
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Five Ways to Catch Up on Retirement Savings
If you’re in your highest-earning years, you can make up for lost time.
By Sandra Block
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4 Times to Say Yes to a Roth Conversion and 4 Times to Say No
Roth conversions should never be done on a whim — they're a product of careful timing and long-term tax considerations. So how can you tell whether to go ahead?
By Ryan K. Snover, Investment Adviser Representative
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The $183,000 RMD Shock: Why Roth Conversions Can Be Risky
Converting retirement funds to a Roth is a smart strategy for many, but the older you are, the less time you have to recover the tax bite from the conversion.
By Mark Kennedy
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If You're Not Doing Roth Conversions, You Need to Read This
Roth conversions and other Roth strategies can be complex, but don't dismiss these tax planning tools outright. They could really work for you and your heirs.
By Matthew Blecker, CFP®, CFA®
