http://www.your-roth-ira.com/roth-ira-blog.html The latest articles, news, and other information related to Roth IRAs and investing. en-us roth ira Thu, 02 Feb 2012 02:46:32 GMT Thu, 02 Feb 2012 02:46:32 GMT your-roth-ira.com http://www.your-roth-ira.com/googleb95d3ad8fbecab2e.html Sun, 29 Jan 2012 21:33:11 GMT http://www.your-roth-ira.com/2013-roth-ira-contribution-limits.html What are the 2013 Roth IRA contribution limits? When you make a contribution for the 2013 tax year, you need to know. Otherwise, you risk unexpected taxes, penalties, or both. Fri, 21 Oct 2011 01:40:21 GMT http://www.your-roth-ira.com/2012-roth-ira-rules.html What are the 2012 Roth IRA rules? That's a great question, because before you open a Roth IRA, you need to know the basic rules of the game. Fortunately, the IRS kept the rules for 2012 fairly simple. Fri, 21 Oct 2011 01:39:49 GMT http://www.your-roth-ira.com/2012-roth-ira-rollover.html What are the 2012 Roth IRA rollover rules? If you're considering a Roth IRA rollover in 2012, you need to know. Why? Because as of January 2010, the rules dramatically changed for Roth IRA conversions. Fri, 21 Oct 2011 01:39:25 GMT http://www.your-roth-ira.com/2012-roth-ira-phase-out-rules.html What are the 2012 Roth IRA phase out rules? Is it true that your Roth IRA contribution limit phases out as your income rises? Yes, it's true. So if you plan to make a Roth IRA contribution this year, you need to know the 2012 phase out rules. Otherwise, you risk inadvertently contributing more than the allowable IRS limit. Fri, 21 Oct 2011 01:39:01 GMT http://www.your-roth-ira.com/2012-roth-ira-maximum-contribution.html What is the 2012 Roth IRA maximum contribution? That's a great question, and you need to know the answer if you intend to make a contribution to your Roth IRA for the 2012 tax year. Fri, 21 Oct 2011 01:38:34 GMT http://www.your-roth-ira.com/2012-roth-ira-limits.html What are the 2012 Roth IRA limits imposed by the IRS? Do you have to meet age or income requirements? Before you make a Roth IRA contribution, you need to know the restrictions for the current tax year. Fri, 21 Oct 2011 01:38:08 GMT http://www.your-roth-ira.com/2012-roth-ira-income-limits.html What are the 2012 Roth IRA income limits? If you plan to make a contribution for the 2012 tax year, you need to know. The answer of course depends on your tax filing status. For 2012, the maximum income limits for making a Roth IRA contribution are... Fri, 21 Oct 2011 01:37:46 GMT http://www.your-roth-ira.com/2012-roth-ira-conversion-rules.html What are the 2012 Roth IRA conversion rules? You've probably heard a lot about the changes that took place in January 2010. But how do they impact you? In 2010, the biggest change came from the expiration of the $100,000 adjustable gross income (AGI) limit on Roth IRA conversions. In effect, this change enabled anyone (regardless of income) to convert to a Roth IRA and contribute to a Roth IRA. Fri, 21 Oct 2011 01:37:22 GMT http://www.your-roth-ira.com/index.html Roth IRA facts, tips, and solutions for individual investors. Your number one source for Roth IRA investing. Sat, 24 Sep 2011 12:36:21 GMT http://www.your-roth-ira.com/limits-on-roth-ira-contributions.html What are the limits on Roth IRA contributions? If you plan to max out your Roth IRA this year, then you need to know. Otherwise, you risk making an excess contribution. Mon, 13 Jun 2011 02:27:41 GMT http://www.your-roth-ira.com/historical-roth-ira-contribution-limits.html What are the historical Roth IRA contribution limits? Below is a list of past years and their accompanying maximum contribution amounts by age. Tue, 24 May 2011 02:15:19 GMT http://www.your-roth-ira.com/roth-ira-contribution-limit-phase-out.html What is the Roth IRA contribution limit phase out? Few people know that your ability to make a Roth IRA contribution phases out as your income rises? If you make regular annual contributions to your Roth IRA, you need to know at what point your maximum allowable contribution starts to phase out. If you don't, you might mistakenly contribute more than the allowable limit. Tue, 17 May 2011 02:57:14 GMT http://www.your-roth-ira.com/roth-ira-contribution-income-limits.html What are the Roth IRA contribution income limits? Generally speaking, the maximum income limits for making any type of Roth IRA contribution are... Fri, 13 May 2011 02:03:13 GMT http://www.your-roth-ira.com/roth-ira-calculators.html Use the Roth IRA calculators below to generate estimates for any number of questions regarding your retirement savings. These calculators allow you to determine your Roth IRA retirement balance, inflation-adjusted retirement balance, Roth IRA vs. 401k, Roth IRA vs. Traditional IRA, needed annual contribution, needed annual interest rate, retirement income, and need to make a Roth conversion. Wed, 11 May 2011 01:50:30 GMT http://www.your-roth-ira.com/roth-ira-rollover-calculator.html Use this Roth IRA rollover calculator to project the inflation-adjusted value of your Traditional IRA (or 401k) at retirement versus the inflation-adjusted value of the same funds at retirement if you roll them over into your Roth IRA. To get the most accurate projections, experiment with different rollover amounts, taxable percentages, and/or expected tax rates. And remember to keep in mind that rolling over a larger amount might put you in a higher tax bracket. Mon, 09 May 2011 03:15:15 GMT http://www.your-roth-ira.com/best-roth-ira-calculators.html The best Roth IRA calculators for determining your financial and retirement goals. Thu, 28 Apr 2011 02:23:11 GMT http://www.your-roth-ira.com/roth-ira-investment-calculator.html Use this Roth IRA investment calculator to determine the rate of return you need to generate on your savings in order to meet your retirement goal. To get the most accurate projections, experiment with different annual contributions, inflation rates, and/or retirement ages. Tue, 19 Apr 2011 02:28:25 GMT http://www.your-roth-ira.com/roth-ira-conversion-calculator.html Use this Roth IRA conversion calculator to project the inflation-adjusted value of your Traditional IRA (or 401k) at retirement versus the inflation-adjusted value of the same funds at retirement if you convert to a Roth IRA. To get the most accurate projections, experiment with different conversion amounts, taxable percentages, and/or expected tax rates. And remember to keep in mind that converting a larger amount might put you in a higher tax bracket. Mon, 18 Apr 2011 02:53:29 GMT http://www.your-roth-ira.com/roth-ira-retirement-calculator.html Use this Roth IRA retirement calculator to estimate your annual inflation-adjusted income in retirement. To get the most accurate projections, experiment with different annual contributions, inflation rates, expected rates of return, number of years in retirement, etc. Sat, 16 Apr 2011 12:27:22 GMT http://www.your-roth-ira.com/roth-ira-vs-401k-calculator.html Use this Roth IRA vs. 401k calculator to determine which retirement savings account you should focus on first - your Roth IRA or your 401k. To get the most accurate projections, experiment with tax rates. Fri, 08 Apr 2011 02:57:13 GMT http://www.your-roth-ira.com/roth-ira-vs-traditional-ira-calculator.html Use this Roth IRA vs. Traditional IRA calculator to determine which retirement savings account is best for you - a Roth IRA or a Traditional IRA. To get the most accurate projections, experiment with tax rates. Thu, 07 Apr 2011 02:46:15 GMT http://www.your-roth-ira.com/roth-ira-contribution-calculator.html Use the Roth IRA contribution calculator below to determine the size of the annual contribution you must make in order to meet your retirement goal. In order to get the most accurate projection, experiment with different expected rates of return, inflation rates, and/or retirement ages. Tue, 05 Apr 2011 01:44:37 GMT http://www.your-roth-ira.com/roth-ira-savings-calculator.html Use this Roth IRA savings calculator to estimate the inflation-adjusted value of your account at retirement. To get the most accurate projections, experiment with different annual contributions, inflation rates, expected rates of return, and/or retirement ages. Tue, 05 Apr 2011 01:41:29 GMT http://www.your-roth-ira.com/roth-ira-calculator.html Use the Roth IRA calculator below to estimate the balance of your account at retirement. To get the best estimate of where you stand, experiment with different annual contribution amounts, expected rates of return, and/or retirement ages. Fri, 01 Apr 2011 02:01:15 GMT http://www.your-roth-ira.com/roth-ira-irs-rules.html What are the Roth IRA IRS rules? Addressing the IRS guidelines for all the Roth IRA rules is beyond the scope of this article, but we can cover the basics. And if you're like most investors, knowing the basics will answer all your questions. Thu, 10 Mar 2011 02:36:36 GMT http://www.your-roth-ira.com/rules-governing-roth-iras.html What are the rules governing Roth IRAs? You need to know before you ever contribute a single penny to your Roth IRA. Why? Because ignorance of the law can prove quite costly, not just in dollar terms, but also in terms of personal frustration, wasted time, and financial heartache. Sat, 05 Mar 2011 17:09:49 GMT http://www.your-roth-ira.com/roth-ira-age-rules.html What are the Roth IRA age rules? Are you eligible to make a Roth IRA contribution? What about your children or grandchildren? These are legitimate questions, and it's important for you to have a firm grasp of the Roth IRA rules before you open your account... Tue, 01 Mar 2011 03:01:58 GMT http://www.your-roth-ira.com/roth-ira-rollover-rules.html What are the Roth IRA rollover rules? You need to know every iota of the law if you plan to perform a Roth IRA rollover, because if you perform one incorrectly, you face the prospect of unforeseen tax bills, possible penalties, and even years of pain, frustration, and inconvenience. Tue, 22 Feb 2011 03:45:31 GMT http://www.your-roth-ira.com/roth-ira-investment-rules.html What are the Roth IRA investment rules? Are you limited in your investment selection? Are investment gains really tax free? Once you understand the rules, you'll gain the confidence to take charge of your Roth IRA investment decisions. Fri, 18 Feb 2011 03:50:06 GMT http://www.your-roth-ira.com/roth-ira-distribution-rules.html What are the Roth IRA distribution rules? Do you owe taxes and penalties for early distributions? If you know the distribution rules before you make a withdrawal, you're far less likely to make a costly mistake. Thu, 17 Feb 2011 03:50:23 GMT http://www.your-roth-ira.com/roth-ira-redemption-rules.html What are the Roth IRA redemption rules? Are withdrawals always tax-free? You need to know the answers. Remember, the whole purpose of your Roth IRA is to generate tax-free income for retirement. So you want to begin your retirement savings plan with the end game in mind. Wed, 16 Feb 2011 03:31:24 GMT http://www.your-roth-ira.com/roth-ira-5-year-waiting-period.html What is the Roth IRA 5 year waiting period? Does it mean you can't make any penalty-free withdrawals from your Roth IRA in the first five years? The five year waiting period, in conjunction with reaching age 59 ½, is one of two requirements you must meet before you can withdraw investment gains, rollover funds, and/or conversion funds tax-free and penalty-free. Fri, 11 Feb 2011 02:58:32 GMT http://www.your-roth-ira.com/roth-ira-funding-rules.html What are the Roth IRA funding rules? Can anyone contribute to a Roth IRA, or is it restricted? These are great questions. Fortunately, most people can contribute to a Roth IRA. Thu, 10 Feb 2011 03:45:25 GMT http://www.your-roth-ira.com/roth-ira-contribution-rules.html What are the Roth IRA contribution rules? How much can you contribute? Do you qualify to make a contribution at all? These are the questions you should be asking if you're new to the world of Roth IRAs. Wed, 09 Feb 2011 03:00:25 GMT http://www.your-roth-ira.com/roth-ira-income-rules.html What are the Roth IRA income rules? Are you required to have a minimum income? Is there a cut-off point if you earn too much? These are great questions. Your income plays a major factor in your ability to make Roth IRA contributions. Tue, 08 Feb 2011 03:24:49 GMT http://www.your-roth-ira.com/roth-ira-eligibility-rules.html What are the Roth IRA eligibility rules? Can anyone contribute? If not, who can't? And do you have to be a certain age? These are all legitimate questions to ask, and everything you need to know if found right here. Thu, 03 Feb 2011 04:02:17 GMT http://www.your-roth-ira.com/basic-roth-ira-rules.html What are the basic Roth IRA rules? If you're new to the world of Roth IRA investing, you should know that the rules are fairly simple and easy to understand. Here are the key points you should focus on... Fri, 28 Jan 2011 03:37:41 GMT http://www.your-roth-ira.com/roth-ira-withdrawals-for-the-disabled.html What about Roth IRA withdrawals for the disabled? Does the IRS allow you to make a penalty-free early withdrawal if you're disabled? If you meet the IRS definition of disabled, yes. Thu, 27 Jan 2011 03:23:21 GMT http://www.your-roth-ira.com/roth-ira-withdrawals-for-the-unemployed.html What about Roth IRA withdrawals for the unemployed? Does the IRS grant you an exemption in regard to taxes and penalties if you make an early withdrawal from your account due to the loss of your job? In some cases, the answer is yes. Thu, 27 Jan 2011 02:26:22 GMT http://www.your-roth-ira.com/roth-ira-withdrawal-exceptions.html What are the Roth IRA withdrawal exceptions for early withdrawals prior to age 59.5? Can you avoid taxes and penalties on certain types of withdrawals? While you can always withdraw your original contributions from your Roth IRA tax-free and penalty-free for any reason prior to age 59.5, in most cases, you will owe income taxes and an early withdrawal penalty if you withdraw investment gains, rollover funds, or conversion funds early. Wed, 26 Jan 2011 03:21:32 GMT http://www.your-roth-ira.com/roth-ira-rules-for-withdrawal.html What are the Roth IRA rules for withdrawal? Before you make any type of distribution from your account, you need to be well-versed in the rules governing your account. Otherwise, you might get slapped with an unanticipated tax bill. Sat, 22 Jan 2011 04:10:33 GMT http://www.your-roth-ira.com/roth-ira-early-withdrawal-deadline.html What is the Roth IRA early withdrawal deadline? Is there a specific date on the annual calendar that you need to be aware of? While there's not a specific date you need to circle on your calendar, you do need to be aware of two effective deadlines for early withdrawals. Thu, 20 Jan 2011 03:27:44 GMT http://www.your-roth-ira.com/roth-ira-principal-withdrawals.html Do you owe taxes on Roth IRA principal withdrawals? Despite what you may have heard elsewhere, the answer is no. Withdrawing your original contributions is always a tax-free, penalty-free event. Tue, 18 Jan 2011 03:36:35 GMT http://www.your-roth-ira.com/withdrawing-roth-ira-contributions.html What are the rules for withdrawing Roth IRA contributions? That's a great question, because ignorance of the law can prove quite costly - usually in the form of income taxes and early withdrawal penalties. Tue, 18 Jan 2011 02:51:10 GMT http://www.your-roth-ira.com/roth-ira-withdrawal-age.html Is there a Roth IRA withdrawal age? It depends. There is a minimum age requirement for withdrawals to be considered qualified distributions, but unlike a Traditional IRA or a 401k, there isn't a maximum age at which you're forced to make withdrawals. Here's what you need to know. Fri, 14 Jan 2011 03:02:10 GMT http://www.your-roth-ira.com/roth-ira-contribution-withdrawals.html Are Roth IRA contribution withdrawals tax free? And what about early withdrawal penalties? Those are both good questions. In most cases, to withdraw funds tax-free and penalty-free from your Roth IRA, you must meet the following conditions... Thu, 13 Jan 2011 03:11:11 GMT http://www.your-roth-ira.com/roth-ira-withdrawal-tax.html Is there a Roth IRA withdrawal tax? Unlike a Traditional IRA or 401k, qualified withdrawals from your Roth IRA are not taxed. However, if you fail to meet the requirements laid out by the IRS, then your withdrawals might very well initiate a visit from the tax collector. Wed, 12 Jan 2011 03:11:07 GMT http://www.your-roth-ira.com/roth-ira-withdrawal-penalty.html Is there a Roth IRA withdrawal penalty? It really depends on whether or not you've met certain IRS requirements. Tue, 11 Jan 2011 03:21:14 GMT http://www.your-roth-ira.com/basic-principle-of-investor-return.html Why the basic principle of investor return is a key element in self-directed Roth IRA investing success. Sat, 08 Jan 2011 18:32:08 GMT