Traditional IRA
News, insights and expert analysis on traditional ira from the team at Kiplinger.
The traditional IRA is one of the best options in the retirement-savings toolbox. You can open a traditional IRA at a bank or a brokerage, and the universe of investments is wide open to you. But with that freedom comes responsibility. Traditional IRAs have a lot of rules — break one and you could face a penalty. If you'd like to know more about IRAs, start with our beginner's guide: everything you should know about traditional IRAs then work your way through our other features and guides on smart strategies to ensure you can end up with a sizable chunk of change down the road.
Latest
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How Alternatives and Self-Directed Investing Reshape the IRA
Investors are exploring self-directed IRAs where they can hold traditional and alternative investments in one account.
By Adam Bergman
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Safe or Seizable?: The IRA & Bankruptcy Protection Quiz
Quiz Depending on the type of IRA you own and/or how you inherited it, your "safe" money might actually be on the table for creditors.
By Donna LeValley
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How IRAs Impact Social Security
Do your traditional IRA distributions count as income that could lower your Social Security benefits? It depends.
By Tom Taulli
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IRA Conversion to Roth: Rules to Convert an IRA or 401(k) to a Roth IRA
An IRA conversion can give you a leg-up in retirement with tax-free income. But proceed with caution.
By Maurie Backman
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Should You Convert a Traditional IRA to a Roth After 60?
retirement You can convert an IRA to a Roth no matter how old you are. But if the conversion boosts your income, it could have tax consequences.
By Kimberly Lankford
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Inherited an IRA? Avoid These Expensive Mistakes
Don't get hit with a big tax bill thanks to an inherited IRA. Learn the rules and save.
By Donna Fuscaldo
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The $3,000 Retirement Mistake Millions Make Each Year (And How to Avoid It)
A little oversight or automation can keep money in your pocket.
By Donna Fuscaldo
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I'm retiring with $2.6 million. I'm worried about RMDs and taxes.
We asked professional wealth planners for advice.
By Maurie Backman
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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
