Roth IRAs
News, insights and expert analysis on roth IRAs from the team at Kiplinger.
Latest
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6 Tax Reasons to Convert Your IRA to a Roth (and When You Shouldn't)
Retirement Taxes Here’s how converting your traditional retirement account to a Roth IRA can boost your nest egg — but avoid these costly scenarios.
By Kate Schubel
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6 Changes to IRAs, 401(k)s and HSAs in 2026
Changes to IRAs — Roth and traditional — and 401(k)s may mean more money for you in retirement.
By Donna LeValley
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Roth IRAs: What They Are and How They Work
Roth IRA A Roth IRA is an individual retirement account that allows tax-free investment growth and distributions, as long as key rules are followed.
By Jacob Wolinsky
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Quiz: Understanding Roth Conversions
Quiz Test your basic knowledge of Roth conversions in our quick quiz.
By Donna LeValley
Quiz -
The Average IRA Balance by Age and Generation
Knowing how the average IRA balance of peers compares to your own could be the nudge you need to save more for retirement — or pat yourself on the back.
By Adam Shell
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I'm 54 with a $320,000 IRA and will soon be self-employed, earning about $120,000 per year. How much should I be saving for retirement?
We asked financial experts for advice.
By Maurie Backman
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Roth IRA Contribution Limits for 2026
Roth IRAs Roth IRAs allow you to save for retirement with after-tax dollars while you're working, and then withdraw those contributions and earnings tax-free when you retire. Here's a look at 2026 limits and income-based phaseouts.
By Jackie Stewart
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Here's How to Plan This Year's Roth Conversion
While time is running out to make Roth conversions before the end of the taxable year, consider taking your time and developing a long-term strategy.
By Matthew Eilers
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Take Advantage of Retirement Tax Benefits While They Last
Recent tax changes, including an extra $6,000 deduction for those 65 and older, present a golden opportunity for retirees to reduce their tax bills.
By Ryan Polimeni
