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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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
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The 'Florida Flip' for Roth Conversions and Lower RMDsStaring down a massive RMD tax bill at age 75? Relocating to a zero-tax state for a few years could slash your Roth conversion costs. Just beware of the pitfalls.
By Maurie Backman
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How Has Retirement Changed in the Last 50 Years? Take Our QuizQuiz Test your knowledge on how American retirement has transformed since 1976.
By Donna LeValley
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Backdoor Roth IRAs: Leave Your Kids a Tax-Free FortuneConverting to a backdoor Roth IRA via an IRS "loophole" is an estate-planning hack that provides heirs with tax-free income in retirement. It can help you, too.
By Adam Shell
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16 Retirement Mistakes You Will Regret ForeverFrom 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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How 401(k) Savers Just Triggered a Big Market ShiftRather than running to the sidelines or moving to cash when things get bumpy, seasoned savers are building up their balances and locking in long-term security.
By Donna LeValley
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You’ve Mastered Asset Allocation — Now It’s Time for Asset LocationIn our retirement advice column, Wealth Wise, a 66-year-old retiree learns how strategically placing your stocks, bonds, and cash can save you thousands.
By Maurie Backman
