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 to Roth IRA: Should You Rollover Unused 529 Funds?
Thanks to the SECURE 2.0 Act, you can roll over funds from your 529 into a Roth IRA, as long as certain conditions are met.
By Erin Bendig Last updated
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Ask the Editor — Tax Questions on Disaster Losses and more
Ask the Editor In this week's Ask the Editor Q&A, we answer tax questions from readers on paper checks, hurricane losses, IRAs and timeshares.
By Joy Taylor Published
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Is Your IRA Protected from Creditors in Bankruptcy?
Can creditors take some or part of your IRA funds if you file for bankruptcy? Learn more about the federal protections that exist and to what extent they protect your IRAs.
By Donna LeValley Last updated
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How to Open a Roth IRA in 5 Simple Steps
retirement Here's what you need to know in order to open a Roth IRA.
By Erin Bendig Last updated
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Five Roth IRA Pitfalls Your Adviser May Not Tell You About
Heffalump traps may be imaginary, but Roth IRA pitfalls are very real. They could upend your retirement if you're unaware of them.
By Maurie Backman Last updated
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Ask the Editor, June 20: Questions on Tax Deductions and IRAs
Ask the Editor In our latest Ask the Editor round-up, Joy Taylor, The Kiplinger Tax Letter Editor, answers four questions on deductions, tax proposals and IRAs.
By Joy Taylor Published
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I'm a Financial Professional: This Is the Roth Conversion Mistake Too Many People Make
Converting your traditional IRA to a Roth can be a fantastic tax-saving move, but you've got to be smart about two things: how much and when.
By Michael Alimo Sr. Published
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Timing Is Everything for Roth Conversions: An Expert's Guide to the Right Strategy
Understanding the nuances of Roth conversions can help you avoid forking over more money in taxes than you need to.
By Alex Astin, MBA, CEP®, IAR Published
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10 Reasons to Leave Your Heirs a Roth IRA
Including a Roth IRA in your estate plan has clear tax advantages, which can be passed along to your heirs for years to come. But if passed down incorrectly, your heirs won’t reap the full benefits.
By Kathryn Pomroy Last updated