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Roth IRA Articles

The following Roth IRA articles and commentaries are ones I feel are well worth your time to read.

They'll reinforce the fundamentals of Roth IRA investing, while providing you with a diversity of opinion on different strategies or methods for optimizing your Roth IRA returns.

While my intent is to make this website a one-stop definitive source for Roth IRA information, it's always a great idea to gather as much information as possible before forming an opinion on a subject. And the same holds true for opening up and investing in a Roth IRA.

However, keep in mind that not all information is equally valid or equally valuable. That's why I've done my best to select the best Roth IRA articles possible.

Do your best to focus on the fundamentals, such as keeping your management fees and trading fees as low as possible.

If you lose sight of the fundamentals, all the Roth IRA articles and investment information in the world won't do you any good...

10 Must-Know IRA Terms
by Kay Bell
February 11, 2009

"If you have or are thinking of establishing an IRA, give yourself a pat on the back. A great resource for retirement, an IRA allows you to enjoy the benefits of compounding growth and tax savings. But the language of finance sometimes makes simple concepts seem more complicated."
[To read the rest of this Roth IRA article, click here...]

Stiff The IRS For the Next 100 Years
by The Motley Fool Staff
January 23, 2009

"In 2010, the limit on Roth conversions is slated to go away. Although income limits will still apply to regular contributions, being able to convert money in old 401(k) accounts and traditional IRAs is worth a lot more than depositing a few thousand dollars every year."
[To read the rest of this Roth IRA article, click here...]

The Best Way to Invest Your IRA
by The Motley Fool Staff
January 22, 2009

"Opening an IRA can put money back in your pocket. But once you've opened your account, what should you do with it? For many, the hurdle of getting an IRA account open in the first place is the hardest thing to overcome. As the end of the year approaches, however, your desire to cut your taxes may help you get over that hurdle. After all, making a deductible IRA contribution can add $1,750 or more to your tax refund."
[To read the rest of this Roth IRA article, click here...]

Top 10 Roth IRA Questions
by Roy Lewis
January 9, 2008

"Even though the Roth IRA has been around for more than 10 years, people still have a lot of questions about how it works. Today, I'll review 10 frequent questions about the Roth, with the hope of helping you better understand this valuable IRA option."
[To read the rest of this Roth IRA article, click here...]

How To Start A Roth IRA (And Where to Do It)
by GetRichSlowly.Org
June 7, 2007

"You've heard how awesome Roth IRAs are and how starting one now can mean big bucks when you're older. You've even done some research so you have a vague idea of how a Roth IRA works. Now what? How do you actually start one yourself? It's surprisingly easy to set up a retirement account and to begin investing in your future."
[To read the rest of this Roth IRA article, click here...]

Why You Need A Roth IRA
by Erin Burt
March 9, 2006

"One of the smartest money moves a young person can make is to invest in a Roth IRA. Follow the rules and any money you put into one of these retirement-savings accounts grows absolutely tax free - you won't owe Uncle Sam a dime as you let your savings accumulate, or when you cash it out in retirement. Plus, an IRA is more flexible than a 401(k) and other retirement plans because you can invest it in almost whatever you want, from stocks and mutual funds to bonds and real estate."
[To read the rest of this Roth IRA article, click here...]

Pay Taxes Now, Spend More Later
by Bill Donoghue
December 11, 2007

"You will never retire on the money you save for retirement; you will retire on the money you make on the money you save for retirement. To do so, Roth IRAs are the better choice over 401(k)s or IRAs because the future profits are tax-free (after you settle up your past liability on taxes and hold for five years) and you have better investment choices than what your employer and financial advisers probably suggest."
[To read the rest of this Roth IRA article, click here...]

Roth IRAs Save Dessert For Last
by Martha M. Hamilton
December 31, 2006

"Andrew C. Baird III is off to a great start, already putting money into an employer-sponsored retirement savings account at age 22. But he wonders whether he would be better off steering his savings into a Roth individual retirement account outside of the workplace."
[To read the rest of this Roth IRA article, click here...]

Roth IRA Conversion Considerations
by David Braze
December 3, 2004

"As we approach the end of the year, we may wish to consider converting a traditional IRA to a Roth IRA. The ability to ultimately take tax-free withdrawals from a Roth IRA makes a conversion seem attractive. Nevertheless, that's a decision that has no "one size fits all" answer. All of us must analyze this option based on our individual circumstances. The conversion decision depends on a number of factors, including our tax rates today versus those of tomorrow, how we will pay the taxes due on the conversion, the size of our estates, and our plans for those estates."
[To read the rest of this Roth IRA article, click here...]

Why the Roth Rules
by Robert Brokamp
April 16, 2003

"If you're confused about which type of retirement account to choose, here's the quick and easy (and probably smartest) strategy: Put your money in a Roth IRA. Compared to a employer-sponsored retirement account -- such as a 401(k) or 403(b) -- or a traditional IRA, the Roth is by far more flexible and likely will lead to more money in retirement."
[To read the rest of this Roth IRA article, click here...]

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