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An individual retirement account funded with after-tax money that grows and is withdrawn tax-free.
A Roth IRA is funded with money you have already paid tax on, so qualified withdrawals in retirement are entirely tax-free, and contributions (not earnings) can be withdrawn any time without penalty. Eligibility to contribute directly phases out above certain income levels. It has no required minimum distributions during the owner's lifetime.
Decades of tax-free growth make a Roth IRA especially valuable for younger savers.
The Roth vs Traditional IRA question comes down to one thing: when do you expect to pay a lower tax rate? Here is how to think through it for your specific situation.
Read article →Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →