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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529 Funds and a Roth IRA: How to Use One to Jumpstart the OtherWant to boost your retirement savings? You can roll over unused funds from your 529 plan into a Roth IRA, tax-free, as long as certain conditions are met.
By Erin Bendig
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10 Reasons to Leave Your Heirs a Roth IRAIncluding a Roth IRA in your estate plan can secure a tax-free legacy for your family. But even a small error could leave your heirs with a big tax burden.
By Kathryn Pomroy
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Why I Love Roth IRAs and Roth ConversionsRoth IRAs truly are a gift from the government. Here's why you should take advantage of them while tax rates are at historic lows.
By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®
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Did I Miss My Chance to Do a Roth Conversion?This week's Wealth Wise advice column consults financial experts on managing Roth conversions in your 70s and beyond.
By Maurie Backman
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Is a Roth Conversion Worth It? Why Timing Is EverythingIf you're a high earner or have a large sum in pretax retirement accounts, learn how and when to use Roth conversions to minimize future taxes.
By Ariel Dangelo
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Why a $5 Million+ Portfolio Changes Your Entire Estate PlanThe federal estate tax might not touch your $5 million portfolio, but other issues can easily shrink your family's windfall. Here’s how to protect it.
By Jacob Schroeder
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Bill Proposes Unlimited Roth IRA Rollovers From Excess 529 FundsA Senate bill would allow savers to transfer all unused 529 college savings to a Roth IRA, giving them greater flexibility — and their children a head start on retirement savings.
By Adam Shell
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How to Fact-Check AI Financial Advice in 7 StepsAI chatbots can offer quick retirement insights, but can also provide outdated figures. Always double-check their advice before making financial decisions.
By Anthony Martin
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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
