IRAs
News, insights and expert analysis on iras from the team at Kiplinger.
Latest
-
The 'Mega IRA' Cap Is Back: What High Earners Should Watch in 2026Retirement Tax New rules could force high-income savers to withdraw "excess" retirement funds. Here is why the bill matters — even if it doesn't pass immediately.
By Kate Schubel
Retirement Tax -
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
-
What You Should Know About Spousal IRAsWithout spousal IRAs, you would need earned income to contribute to your retirement account.
By Sandra Block
-
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
-
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
-
The 'Take That Uncle Sam' Rule of Retirement SpendingHere's how to reduce your tax bill when you withdraw money in retirement.
By Donna Fuscaldo
-
How IRAs Impact Social SecurityDo your traditional IRA distributions count as income that could lower your Social Security benefits? It depends.
By Tom Taulli
-
The Average IRA Balance by Age and Generation in 2026Thanks to record contributions, the average IRA account balance is up nearly 8% over the past year despite market volatility that drove balances down in the first quarter of 2026.
By Adam Shell
-
4 Reasons to Roll Over Your 401(k) Into an IRA (And 4 Reasons Not To)We tell you when it makes sense to move your 401(k) account to an IRA — and when it’s smart to stay put.
By Sandra Block
