A Roth IRA is a tax-advantaged retirement account many people use to build long-term savings, but its rules and benefits can be confusing. Because qualified withdrawals are tax-free, the investments ...

The primary factor in a Roth IRA conversion decision is the difference between the tax rate at conversion and the future tax rate at distribution. Tax-free growth in a Roth IRA is a significant ...

Rolling a traditional 401(k) into a Roth IRA triggers immediate taxes on the full conversion amount. Roth IRAs offer tax-free growth and withdrawals with no required minimum distributions during the ...

All future growth is tax-free, so stock market rallies don't increase how much you'll have to pay in taxes. You can delay Social Security to maximize the benefit and use those lower-earning years to ...

Although saving and investing for retirement looks different for everyone, the end goal is typically the same for most people: ensure you have enough saved to have as financially stress-free of a ...

To continue reading this content, please enable JavaScript in your browser settings and refresh this page. A Roth IRA is one of the most powerful retirement savings ...

A 401(k) rollover to a new employer’s plan offers simplicity and tax-deferred growth, ideal for those with strong plan options. Converting a 401(k) to a Roth IRA provides tax-free withdrawals and ...

It was 2016 when I first learned what a Roth IRA was. I opened one immediately and committed to maxing it out -- $5,500 that first year. Since then, I've repeated the max contributions every year. In ...

Backdoor Roths and mega backdoor Roths are strategies used by high earners who aren’t eligible to contribute to Roth IRAs due to the income limits. The backdoor Roth and mega backdoor Roth strategies ...