IRAs
News, insights and expert analysis on iras from the team at Kiplinger.
Latest
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How IRAs Impact Social SecurityDo your traditional IRA distributions count as income that could lower your Social Security benefits? It depends.
By Tom Taulli
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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
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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
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Ask the Tax Editor: Roth IRAs and the Five-Year RuleAsk the Editor In this week's Ask the Editor Q&A, Joy Taylor answers questions on Roth IRAs and the five-year rule, including contributions and conversions.
By Joy Taylor
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How to Turn Your Teen's Summer Paycheck Into a $1M Nest EggLearn how to help your teen open a custodial Roth IRA and turn their summer paycheck into decades of tax-free growth.
By Kimberly Lankford
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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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The $9 Trillion Shift: Why Your Retirement is Less Safe in an IRA and How to Protect ItIRAs now hold a $9 trillion surplus over 401(k)s, largely due to rollovers. Learn how to secure your retirement savings against legal risks and hidden fees.
By Donna LeValley
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Tending to Your Estate Plan? Give Your IRA Some Love, TooIRAs form an important part of your estate plan. Give yours some attention so they work in harmony and ensure your wishes will be carried out as you intend.
By Marguerite Weese, JD, LL.M.
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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
