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Roth IRA

The Roth IRA account, created by the Taxpayer Relief Act of 1997, allows individual investors to save for retirement. The contributions to the account are not tax deductible, as is the case traditional IRA's; rather, the gains on investments held in a Roth IRA are tax-free. These links and resources will answer your basic questions about Roth IRA accounts, contribution limits, and retirement.

A Roth IRA Is the Perfect Tax Shelter
If you are looking for the best tax shelter, a Roth IRA is probably your safest, cheapest, and most accessible bet.

You Should Never Hold Tax Free Municipal Bonds Through a Roth IRA
A common mistake made by new investors is putting tax-free municipal bonds in a Roth IRA. This is a horrible mistake.

About - Roth IRA Profile
A profile of the Roth IRA account. Includes information on taxes, mandatory distribution age, eligibility, and principal withdrawals.

Why a Roth IRA Should Be a Tool In Your Investment Portfolio
If you have ever wondered why a Roth IRA is constantly discussed by financial planners and professional investors, here are four reasons that underscore how this account is different from any other type of account you might consider utilizing in your journey to building wealth.

Potential Pitfalls of Global Investing Through a Roth IRA
There are some major advantages to global investing but these come with a big downside if you are buying your foreign stocks through a Roth IRA. Here are four things you should consider.

4 Popular Types of IRAs You Might Want to Consider for Your Portfolio
Besides the Roth IRA, there are three other popular types of IRAs you may want to consider for your retirement portfolio. Here is a quick rundown of each.

Contribution Limits for a Roth IRA
The federal government imposes annual contribution limits on your Roth and Traditional IRA accounts. This brief explanation includes a chart of the contribution limits between 2004 and 2008.

8 Ways to Avoid Early Withdrawal Penalties on your Roth IRA
Roth IRA account owners are aware they can be hit hard with penalty fees if they withdrawal money early. Fortunately, there are ways to avoid these fees if an emergency or other situation arises.

To Roth or not to Roth
Is a Roth IRA for you, or should you stick with a traditional IRA? For some, the decision is an easy one; for example, if your income level or eligibility for an employer-provided 401(k) or retirement plan makes you ineligible for a tax-deductible Traditional IRA, then a Roth account is definitely the way to go. But what if you have a choice? How do you decide?

Traditional IRA vs. Roth IRA
Which account is right for you - the traditional IRA or Roth IRA? This article lists the benefits and drawbacks of a Roth IRA and compares them to its traditional counterpart.

Guide to the Roth IRA
A guide to the Roth IRA, including essentials, rules of thumb, contribution limits, and information on opening an account.

NMFN - Roth IRA FAQ
Get answers to all of your Roth IRA questions in this Northwestern Mutual Financial Network FAQ. Information includes contribution limits, account information, and withdrawal penalties.

Roth IRA Calculator with Graph
A Roth IRA calculator featuring graph, by Dinkytown. Very functional and useful for retirement planning.

Am I Eligible to Contribute to Either a Traditional IRA or a Roth IRA?
There are some big differences between a Traditional IRA and a Roth IRA. In less than two minutes, you can learn what those are, which IRA type might be best for you and your family, how you might be helped or hurt by the tax treatment of each IRA, and much more.

Opening a Roth IRA for Kids Can Help Your Children Build Serious Wealth
If you are serious about helping your children build wealth, one of the best steps to take is to open a Roth IRA for kids. There are a few complications but they are easily worth the trouble given how much money you can put aside for the future to help ensure your son or daughter never has to struggle financially.

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