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Roth IRAs

News, insights and expert analysis on roth IRAs from the team at Kiplinger.

By the Editors of Kiplinger's Retirement Report

published 25 February 2021

Latest

A woman stands at a fork in a path, contemplating which way to go.

Traditional Retirement Accounts or Roth? How to Choose

Let’s compare traditional IRAs, traditional 401(k)s, Roth IRAs and Roth 401(k)s. Which might work best for you could depend on your income and tax status.

Roth Conversions: Convert Everything at Once or as You Go?

Two hypothetical examples of Roth conversions made at different times (all at once vs as you age) show a stark difference in what could be left for your beneficiaries.

By Mike Decker, NSSA® Published 17 March 24
What to Do When You Have More Retirement Income Than You Need

These three options can help you allocate extra income in ways that don’t push you into a higher tax bracket or trigger extra taxes.

By Stephen B. Dunbar III, JD, CLU Published 14 March 24
Tax Tips for Transferring Excess 529 Plan Funds to Roth IRAs: The Tax Letter

The Tax Letter 529 plans can help blunt the cost of paying for college. But if you want to use leftover funds there are some tax tips to bear in mind.

By Joy Taylor Published 9 March 24

The Tax Letter

Avert a Tax Surprise in Retirement: Get Ready With a Roth

Your taxes in retirement might not be lower, and you could be facing a looming tax bill because of RMDs. Consider preparing now with Roth conversions.

By Andrew Drufke Published 28 February 24
Is a Roth Conversion for You? Seven Factors to Consider

The taxes you’re facing on your tax-deferred retirement savings don’t have to be so daunting. Check here to find out if you're a candidate for a Roth conversion.

By Joshua Taffer, CEPA Published 27 February 24
Six Financial Actions to Take the Year Before Retirement

Having your income, health care and tax plans in place before you exit the day job can make it more likely that you'll have a happy retirement.

By Evan T. Beach, CFP®, AWMA® Published 17 February 24

Three Ways to Reduce Taxes on Your Investment Earnings

Proactive tax planning using these strategies could help you keep more of your hard-earned money, now and in the future.

By David McGill Published 28 January 24
From Tax-Deferred to Tax-Free: Navigating Taxes in Retirement

Here are some considerations to keep in mind to help you spend less of your retirement savings and Social Security benefits on taxes.

By Brian Skrobonja, Chartered Financial Consultant (ChFC®) Published 24 January 24
Retirement Tips for 2024 From Five Retirement Experts

From Rothifying IRAs to navigating changing tax laws, these fiduciary advisers share the recommendations they’re making to their clients this year.

By Pam Krueger Published 21 January 24

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