Individual Retirement Accounts - IRAs
Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
Found 430 Articles.
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Using a 401(k) to Boost Roth IRA Assets
The Roth IRA appeals to many people because of its long-term advantages. Sure, there are no tax breaks when you make contributions. You must contribute after-tax dollars. After that, though, the tax breaks multiply. Income and gains compound tax free within the IRA. You can take tax-free distributions of income and gains at any time […]
Avoiding Expensive IRA Mistakes
Too many people leave too much money on the table when managing their IRAs. It’s not surprising. IRA rules and strategies can be more complicated once the early contribution and accumulation years are behind us. There are various tricks and traps in the IRA rules, and there are strategies for maximizing IRA values that aren’t […]
Owning Nontraditional IRA Investments
More and more IRA owners are considering investments other than traditional stocks, bonds, and mutual funds. It’s not surprising. The Federal Reserve’s zero interest rate policy boosted returns of stocks and bonds the last few years but probably pulled forward a lot of future returns into those years. For the next five or 10 years, […]
Spotting Overlooked IRA Opportunities
IRAs hold the bulk of most people’s retirement nest eggs. They are vital to successful retirement. Yet, many people leave a lot of IRA money on the table. They don’t realize the many strategies available to increase the after-tax value of IRAs. IRAs are deceptive. They seem simple at first, no more complicated than opening […]
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More Legal Rights for 401(k) Members
Trial attorneys have been suing 401(k) plans in recent years for not giving participants good deals. The Supreme Court handed another defeat to the 401(k) plans, finding that the statute of limitations is renewed each time the plan’s board reviews investment choices. And a plan can be sued for a high-cost or high-risk investment option […]
Savings Rates and 401(k)s
Over the years economists discovered that people would save more for retirement if 401(k) plans set a default initial savings rate instead of providing there would be no savings rate unless the employee selected one. There’s a lot of inertia in people. Many people will leave their contribution rate at the default, because they don’t […]
Avoiding Frequent IRA Rollover Mistakes
IRA rollovers at first seem commonplace and easy. There even are television commercials about them. Yet, there is a lot more to rollovers than many people realize. When you don’t know the details, you risk losing money to taxes, penalties, and bad decisions. There are 31 different types of rollovers in the tax code, says […]
The Importance of Age 69 1/2 in Retirement Planning
Most people in retirement planning learn that age 70 1/2 is important. Here’ an article arguing that the year before is more of a benchmark. You have to start planning for the following years’ RMD, and it also means you’re approaching other key IRA milestones. Age 69 1/2 is a big deal, a major year […]
