Roth IRA

A Roth IRA is a retirement account. Once you fund the account, you still have to choose an investment, whether you buy individual stocks, an index fund, bonds, shares in a real estate investment trust, or just leave it in cash. With a Roth IRA, you’re dealing with after-tax cash. The nice thing about the Roth IRA is that the cash grows tax-free forever, there are some estate-planning benefits, and you can use the cash to pay for medical bills and tuition before you turn 59 1/2. Learn more here about Roth IRAs.

Keep Cash Safe or Invest in 401(k)

Should you keep your cash safe or invest your money in your 401(k) or Roth IRA. Where should you invest your money given recent events? Q: With interest rates as they are and investments frequently losing money, does it make …

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Roth IRA Not For Everyone

Roth IRAs are great for some, but some don’t appreciate the benefits. Q: Everyone talks about what a great product the Roth IRA is. But my belief is one is contributing after-tax money. That means you’re likely paying at least …

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Roth IRA Conversion 2010: Should I Convert My 401(k)?

A reader asks about converting a 401(k) into a Roth IRA. Can you offset the income taxes owed with the carry-over losses from a real estate property? Ilyce Glink answers this personal finance question about 401(k)s and Roth IRAs.

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Contributing to a Roth IRA If Your Company Makes An ESOP Contribution To Your Retirement Account

Can you still contribute to a Roth IRA if your company makes an ESOP contribution to your retirement account? A reader wants to know if there are any limitations on contributing to a Roth IRA even though she gets stock from an ESOP account and has a 401(k).

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New Changes For Roth IRAs

A law signed in 2006 brings changes to Roth IRA law. While the amount you earn to open up a Roth IRA will not change, anyone can open a non-deductible IRA account, contribute to it and convert it to a Roth IRA in 2010. Whether you’re looking at a Roth or traditional IRA, you should never cap the amount you save for retirement.

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Roth IRA Investing Or Pay Off Mortgage

When you’re nearing retirement should you invest in a Roth IRA or pay off your mortgage? What’s the better choice? It depends on the interest rate on your mortgage and whether you can earn more by investing the money. Learn about Roth IRA investing and the benefits of paying off a mortgage early.

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Opening A Roth IRA

Roth IRAs are good investing opportunities, but investors should open them at larger financial institutions like Fidelity, Charles Schwab, or Vanguard, because of the incredible number of mutual funds and investing opportunities out there. These larger companies will be able to give investors the widest range of options, at the cheapest prices.

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Let Your Retirement Grow In A Roth IRA

One of the great tax saving benefits created by Congress over the past few years is the Roth IRA. One of the reasons Roth IRAs have become so popular with seniors and baby boomers is that they offer four distinct advantages over the conventional IRA. For example, your earnings in a Roth IRA account grow tax free forever.

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Including An Index Fund In A Roth IRA

Index funds are a good investment because they are cheap to own and easy to maintain. An index fund can be used as part of a Roth IRA. In order to invest a Roth IRA in an index fund, the account owner must earn money.

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