Individual Retirement Accounts (IRAs)

Learn the basics of Individual Retirement Accounts (IRAs): where and how to open an account, IRA contribution limits, income limitations, what is an IRA, who's eligible, when they're called for, and how you can profit from an IRA today.

Find out how much you can contribute to your IRA for 2011.

Most retirement plan limits have not changed due to a lack of significant inflation. Learn what you need to know about IRAs, Roth IRAs, contributions, and conversions.

Roth Individual Retirement Accounts (Roth IRAs) enable you to benefit from tax-free growth. Here are the basics, including how to open an account, contribution limits, income limitations, who Roth IRAs are best for, and how you can benefit from a Roth IRA.

Some individuals can maximize their IRA savings by contributing to both Regular IRA and Roth IRA plans. Find out if you qualify.

Here are the 2010 Roth IRA Income Limits.

Roth IRA conversions are available for all taxpayers, beginning January 1, 2010. Previously, those with modified adjusted gross income exceeding $100,000 or who were married but filed separately were not allowed to convert. Learn the implications of the removal of the income cap.

An IRA rollover is an effective way to simplify your retirement planning while giving you more investment choices and extending your tax deferral.

When you leave your job, you have several options for your retirement plan dollars. Learn about a rollover IRA.

Believe it or not, contributing to a Roth IRA typically requires your income fall between a certain minimum and maximum. Learn if you qualify to contribute to this tax-free retirement account.

Anytime a voluntary payment of income tax is involved, you should proceed cautiously. Find out what you need to consider when contemplating a Roth conversion.

Ready to open an IRA but not sure where to begin? Learn how to complete the few easy steps required to open and grow this important retirement account.

How to make an IRA contribution even if you are short on cash.

An IRA withdrawal is any distribution from your individual retirement account. It's critical to understand how your distribution will affect your financial future, both from tax and retirement planning perspectives.

The use of Roth IRA distributions as an emergency fund is a noteworthy concept. Nonetheless, it is fraught with significant disadvantages including negative tax and retirement planning consequences. Learn what to consider whenever you take a Roth IRA distribution, be it before or during retirement.

Nearly anyone with earned income can make a contribution to a regular IRA. But only certain people qualify to deduct that contribution. Learn the considerations for IRA deduction eligibility.

A retirement with tax-free income comes with the upfront cost of paying taxes now. Converting your qualified retirement account (like a traditional IRA or old 401(k) plan) to a Roth IRA may be a great idea. But since the tax due now may be significant, make sure to learn the key considerations.

Due to certain income limits, not every worker is eligible to make a deductible contribution to a regular IRA. A subset of this group may be permitted to make a contribution to a Roth IRA. Still others will be prohibited from doing either. Enter the non-deductible regular IRA contribution. Learn the ins, outs, and implications of a non-deductible IRA contribution.

To benefit from the tax-free growth of a Roth IRA, you must keep your assets in your account for five years after your initial contribution. Like with other fun tax rules, five years can actually go by a lot quicker. Learn how.

There are many special considerations and potential advantages to an inherited IRA. Some decisions need to be made quickly after you receive your inheritance. Make sure you understand all the implications before you start distributing money from an inherited IRA.

Some retirement plans require individuals to make a minimum withdrawal each year. But if you want to keep more money in your plan and take advantage of greater tax-free growth, a Roth IRA may be the plan for you.

Many retirement plan limits have changed. Some have not. Learn what you need to know about IRAs, Roth IRAs, contributions, and conversions.

A Health Savings Account (HSA) can be an important part of your retirement planning. Coupled with a High Deductible Health Plan (HDHP), an HSA can provide you with tax-free growth on qualified medical expenses and tax-deferred growth on the excess. Learn more about how an HSA might help you achieve your retirement goals.

Spousal IRA description

Learn if Joint IRAs are permitted.

Learn how much a non-working spouse can contribute to a spousal IRA

Learn the amount of the spousal IRA annual contribution limits.

Learn the impact that your (and your spouse's) earned income has on your ability to contribute to an IRA.

How can a non-working person save for retirement using retirement plans?

Learn whether a spouse without any earned income can contribute to a Roth IRA.

Spousal IRAs often lead to various questions about topics including contribution limits, Roth IRAs, and joint IRAs. Read the article to get all of your spousal IRA questions answered

A discussion about the ira contribution limits

To make an informed decision of whether to use a Roth IRA or a regular IRA for your retirement planning, you'll need to understand how they are each treated by the IRS.

When can you make withdrawals from your Roth IRA account? Roth IRA withdrawals are different than regular IRA withdrawals. Roth IRA withdrawals are tax-free, as along as certain conditions are met.

A spousal IRA is valuable for the same reasons that regular IRAs are important: a tax-deferred retirement account. Since non-working individuals will not, by definition, have any defined benefit or 401(k) matching program provided to them by their employer, their spousal IRA takes on added importance.

An IRA Rollover is a tax-free method to move your retirement account money from either a workplace retirement account or IRA to another IRA. Here are the steps required to roll over an IRA:

Wondering how to decide which retirement account to use? The selection of a Roth IRA or regular IRA is an important decision affected by several factors. A regular IRA is a tax-deferred account, meaning that your account is not subject to tax until you withdraw funds, ideally in retirement. Furthermore, a contribution to a regular IRA is tax-deductible, subject to certain income limitations.

How much can you contribute to an IRA? The answer is here.

How much can you contribute to your Roth IRA? Learn how much, here.

What is the deadline to contribute to an IRA? You can contribute at anytime, but there are limitations based on the calendar year.

What is the deadline to contribute to a Roth IRA? You can contribute anytime, but there are limitations based on the calendar year.

Can you contribute to a Roth IRA for 2011? Check out the 2011 Roth IRA income limits.

The 2011 IRA contribution deductions have been set. Will you be able to deduct your IRA contribution?

Can you roll over your SIMPLE IRA into a 401(k) plan?

Despite its name, the Simple IRA does not provide for a simple rollover. Make sure you know what you need to do if you decide to rollover your Simple IRA.

Roth IRAs have never been more important. Consider contributing to one today!

Ever wonder the difference between a regular IRA and Roth IRA? Read this article!

Traditional IRAs are not called traditional for nothing. Let's go back to the basics.