A traditional IRA provides up-front tax breaks that make investing easier. A Roth IRA offers tax savings in retirement and can help you avoid taxes on Social Security. The right account for you will ...

Roth IRA vs Traditional IRA retirement savings decisions are some of the most important financial choices you’ll make when planning for retirement. Choosing between these two types of accounts can ...

Most people I talk to haven’t been educated on the difference between Roth IRA vs Taxable Account vs IRA. This is especially true with taxable accounts. Many investors are only familiar with the “tax ...

Whether you opened a Roth IRA years ago or have had your eye on one, you probably have a sense of what a great investment vehicle it is. A Roth IRA allows you to contribute money you've already paid ...

When you reach retirement age, financial decisions become even more important as you are no longer generating income from working. Every choice you make about your money has a direct impact on your ...

You will owe taxes on your Roth IRA conversion in the year of the conversion. Your converted funds must stay in your Roth IRA for five years before you can withdraw them penalty-free. Roth savings ...

While you can postpone taxes, you can’t avoid them altogether. Just work to pay them when they will cost the least. Making the most fiscally-effective IRA decision will require at least a little bit ...

A 42-year-old Redditor is trying to decide whether to redirect some 401(k) contributions to a Roth IRA. The poster isn’t sure if making the switch will benefit him since he has been investing in his ...

There are benefits to putting as much money as possible into a Roth IRA. Be aware that these accounts have contribution limits. If you have more money to invest than what a Roth IRA allows for, ...

Lucy Lazarony is an experienced personal finance journalist and writer who got her start in 1998 writing about financial topics. She writes accessible and easy-to-understand articles about credit, ...

While a person typically can't contribute to an IRA without earned income, there is an exception: having a spouse. If your spouse has earned income, you can invest in a spousal IRA. This exception ...