Traditional IRA
News, insights and expert analysis on traditional ira from the team at Kiplinger.

Latest
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IRA Conversion to Roth: Rules to Convert an IRA or 401(k) to a Roth IRA
An IRA conversion can give you a leg-up in retirement with tax-free income. But proceed with caution.
By Maurie Backman Published
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How IRAs Impact Social Security
Do your traditional IRA distributions count as income that could lower your social security benefits? It depends.
By Tom Taulli Last updated
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How To 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 taxing consequences.
By Kimberly Lankford Last updated
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Roth or Traditional? Seven Considerations for High Earners
Retirement savings and taxes are a minefield — and the higher your income, the more complicated the options. Use these tips to find your way forward.
By Tim Kingsbury, CFP® Published
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Traditional IRA Basics: 10 Things to Know to Build Wealth
Basics A traditional IRA can be a powerful retirement-savings tool but you need to understand contribution limits, RMDs, rules for beneficiaries under the SECURE Act and more.
By Jackie Stewart Last updated
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Opportunities and Challenges When You Inherit an IRA
New SECURE 2.0 Act rules have kicked in to reshape distribution and taxes for inherited IRAs and retirement plans. Read on for strategies to help beneficiaries.
By Elizabeth Pappas, CPA Published
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Five Changes Coming to IRAs and 401(k)s in 2025
The 2025 rule changes for Roth and traditional IRAs could mean more money for your retirement. But you have to pay attention to reap the rewards.
By Donna LeValley Last updated
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How to Grow Your IRA in Retirement Rather Than Spend It Down
You really can defer RMDs and lower taxes while at the same time increasing the long-term growth of your IRA. Here's how.
By Jerry Golden, Investment Adviser Representative Published
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Roth or Traditional: How to Choose a Retirement Tax Strategy
When picking which type of 401(k) or IRA is right for you, consider whether you want to save a little on your taxes now — or save a lot more on them later.
By Nico Pesci Published