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IRA

Get news and advice on traditional and Roth IRAs, and how you can grow your savings.

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If you’re looking to get off to a fast start on your retirement finances, an IRA is a great place to begin. The nondeductible IRA is just a stop on the way to converting funds into a Roth IRA, via a “backdoor Roth IRA.” If you’ve reached age 72, you must take RMDs. Use this table as a guide. Rising health care costs are one reason to keep saving and investing. The spousal IRA allows a spouse who did not have earned income to contribute to an IRA. IRA plans are held in high regard, but how do they compare to a 401(k)? Here are some top strategies for withdrawing your retirement funds from three planning experts. The five-year rule to get tax-free earnings out of a Roth IRA can be tricky. We explain. The whole “tax-free forever” part? That’s what turns heads, but the Roth IRA offers other perks. Retail investors don’t normally trade in a Roth IRA, but if you do, consider these factors. It’s not too late to get a tax deduction for your IRA contributions. The SECURE Act and historically low tax rates make a Roth IRA conversion more attractive. If you are self-employed, you need to be proactive about retirement savings. Find out where to go and what to do when it’s time to start drawing down your IRA. Someone left you a fortune? You can lose a big chunk of it to taxes if you’re not careful. A few people have giant IRAs worth millions. Should the government intervene? Know the rules and avoid potential pitfalls when you inherit a retirement account. If you break into your IRA CD early, the bank might penalize you. Here’s what to do. You can skirt the rules by converting a nondeductible IRA to a Roth, but it’s tricky. Want to fund an IRA in retirement? Depends on whether you’re using pre- or after-tax dollars.

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