Trina Paul is a Breaking News and Personal Finance Writer at Investopedia, covering topics like retirement, consumer debt, and retail investing. She focuses on making complex financial topics ...

401(k)s are only available through your employer; Roth IRAs have income limits. 401(k)s offer the possibility of an employer match and high contribution limits. Roth IRAs allow tax-free retirement ...

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 ...

Even if you have already chosen an account for retirement savings, that doesn’t necessarily mean you can’t change your mind about it later. In fact, this is not at all uncommon — and many people see ...

A tax strategy that allows ambitious savers to set aside several times the standard 401(k) contribution limit and perform a Roth conversion — also known as a megabackdoor Roth — will have an even more ...

We collaborate with the world's leading lawyers to deliver news tailored for you. Sign Up for any (or all) of our 25+ Newsletters. Some states have laws and ethical rules regarding solicitation and ...

Many investors within five years or so of retirement have the bulk of their savings in traditional tax-deferred 401(k)s and individual retirement accounts, instead of the after-tax Roth versions of ...

Picking investments for a Roth IRA requires looking at several factors. Here’s why certain types of REITs and mutual funds may help a Roth account. Many, or all, of the products featured on this page ...

When I talk to clients about Roth conversions, one of the most important benefits I highlight isn’t necessarily about their own retirement; it’s about protecting their heirs. In my experience, many ...

After delaying a rule requiring high-income 401(k) savers aged 50 or older to make catch-up contributions in Roth accounts, the IRS has signaled that it will take effect starting next year. Industry ...

If you’re in early retirement — or close to it — you don’t want to gloss over the announcement of new tax brackets for 2026 as next year’s problem. While there’s not much surprise to the numbers, ...

Click to share on Facebook (Opens in new window) Facebook Click to share on X (Opens in new window) X Nearly a year after saying goodbye to Southern California and hello to Park City, Utah, Jasmine ...