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What is a Roth IRA?

A Roth IRA is a retirement savings account that allows your money to grow tax-free. The dollars you put into a Roth IRA are after-tax, meaning you’ve already paid taxes on the amount you contribute. In return for the no up-front tax break, your money grows tax-free, and when you withdraw at retirement, you pay…

How much can I contribute to a Roth IRA?

In , the standard contribution limit for a Roth IRA is [contribution_ira_total() {] ([contribution_ira_50_or_older() {] if you are age 50 or older). But the amount that you can contribute will be based on your marital status and your Modified Adjusted Gross Income (MAGI). Get more from the IRS on how much you can contribute to a…

Can I take withdrawals from a Roth IRA?

You can take a withdrawal from a Roth IRA tax-free and penalty-free at any time, but only if certain conditions are met. And, unlike a Traditional IRA, you are not required to take minimum distributions from a Roth IRA.

IRA Comparison

Features Traditional IRA Roth IRA Contribution limit based on income No Yes Contributions are tax-deductible Potentially No Age limit to participate Yes No Earnings’ tax treatment Tax-deferred1 Tax-free2 Required Minimum Distribution Yes No Pay Taxes at time of withdrawal Yes No2 1Earnings on contributions you make to a Traditional IRA will grow tax-deferred, which means…

How is the money invested?

ExpressIRA offers the benefit of investment management services from a third-party investment expert. Their job is to select, monitor and make changes to the target date model portfolios based on their analysis of market conditions and investment sectors.

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