Traditional IRA
News, insights and expert analysis on traditional ira from the team at Kiplinger.
The traditional IRA is one of the best options in the retirement-savings toolbox. You can open a traditional IRA at a bank or a brokerage, and the universe of investments is wide open to you. But with that freedom comes responsibility. Traditional IRAs have a lot of rules — break one and you could face a penalty. If you'd like to know more about IRAs, start with our beginner's guide: everything you should know about traditional IRAs then work your way through our other features and guides on smart strategies to ensure you can end up with a sizable chunk of change down the road.
Latest
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 Ask the Editor, October 17: QCDs and Tax-PlanningAsk the Editor In this week's Ask the Editor Q&A, Joy Taylor answers more questions about the use of qualified charitable distributions (QCDs) in end-of-year tax planning. Ask the Editor
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 IRA Conversion to Roth: Rules to Convert an IRA or 401(k) to a Roth IRAAn IRA conversion can give you a leg-up in retirement with tax-free income. But proceed with caution. 
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 The Average IRA Balance by AgeKnowing 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. 
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 IRA and SEP Rules at a Glance: Contribution Limits, Income Limits and Rollover OptionsHere are IRA contribution limits, income limits and rollover rules for Roth, traditional, SIMPLE and SEP IRAs at a glance. 
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 Inherited IRA Rules: How to Avoid a Tax TrapDon't get hit with a big tax bill thanks to an inherited IRA. Learn the rules and save. 
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 This Might Be What Your Retirement Portfolio Is MissingYou can supplement your retirement nest egg or save for other goals with a taxable brokerage account. 
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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. retirement
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 Ask the Editor — Tax Questions on Inherited IRAsAsk the Editor In this week's Ask the Editor Q&A, we answer tax questions from readers on the rules on inheriting IRAs. Ask the Editor
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 Ask the Editor — Tax Questions on Disaster Losses and moreAsk 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. Ask the Editor
