Individual Retirement Accounts

To understand taxes on options trading, it's critical to learn the nuances of options and other derivatives in portfolios. Here are five tax options to consider.

Trying to figure out what to do with year-end bonus money? You don’t have to decide whether to save or spend. Here’s how to meet several goals all at once.

Can I contribute to both my employer's 401(k) and a traditional or Roth IRA? How do I make the most of my retirement savings with more than one account?

Learn the rules, benefits, and limitations around IRA tax deductions. What are the different types of IRAs, and how can you choose the right one for you?

Stuck with an RMD? You don’t have to take it in cash. Here’s what you need to know about in-kind distributions from your IRA to your brokerage account.

Discover how your Health Savings Account (HSA) can benefit your retirement plans. Explore contribution limits, withdrawal rules, and tax implications.

SECURE 2.0 requires higher earners to put their catch-up retirement savings in a Roth 401(k)—but not until 2026.

SECURE 2.0 requires higher earners to put their catch-up retirement savings in a Roth 401(k), but this may not be possible for everyone.

Learn more in this guide about how to invest in mutual funds, which can help diversify your portfolio and provide exposure to many parts of the market.

Can I withdraw from my 401(k)? The short answer is yes, but you might want to consider other alternatives before cashing out your 401(k). Read more in this overview.

Net income attributable is the gain or loss in your IRA from an excess contribution. Learn how to calculate earnings on excess Roth IRA contributions.

What happens if you contribute too much to your Roth IRA? You could be penalized for Roth IRA excess contribution. Learn more here on how to prevent penalties.

The Roth Individual Retirement Account (IRA) is a popular tax-advantaged retirement account. Here’s what to know about Roth IRA early withdrawal rules.

As new IRS rules on IRA rollover distributions take effect in 2015, it’s important investors understand the implications for taxes and retirement planning.

Don’t get caught flat-footed when it comes to year-end tax and investing moves.

Two COVID-19 stimulus bills plus new tax deductions make the 2020 tax year different. Understand these changes and how they impact your income tax before you file.

Not everyone has a retirement plan through their employer, but that shouldn’t hold you back. Here are alternative ways to save for retirement without a 401(k).

What’s the difference between a Roth and traditional IRA? When does a Roth IRA make sense? Can I have both? TD Ameritrade can help you decide.

The IRS has announced new contribution limits for tax-advantaged retirement plans. Here's what to know about IRA and Roth 401(k) contribution limits for 2023.

If you've frequently changed jobs, you may have forgotten about your 401(k) funds. Read these choices to determine what to do with an old 401(k) held with a former employer.

The SECURE Act is included in the appropriations bill just passed by Congress. Here’s what you need to know about the changes coming to retirement.

Are you nearing retirement and getting ready for tax season? Here are some retirement tax strategies to steer you in the right direction as the new year begins.

Wash sale tax rules have been recently reported by brokers as wash sale adjustments as part of covered cost-basis reporting. Learn more about the breakdown here.

Some pros say your early investing years are among the most critical, including whether you set up a 401(k). Learn how to work toward your financial goals.

It’s important to know how tax rules differ in retirement, when your income is typically lower.

Naming beneficiaries for your retirement accounts might feel daunting, but it doesn't have to be. Learn more about the disbursement of funds to beneficiaries.

A self-directed IRA means you're in charge of asset selection and management, so it’s important to understand your choices.

As a freelancer, being fully committed to your business doesn’t mean you should ignore saving for retirement. Learn about self-employed retirement plans.

Inherited IRA? Here’s what you need to know about making the most of that money.

With the stretch IRA gone thanks to the SECURE Act, it might be time to revisit your estate plan. If you have money in a traditional IRA, you might consider a Roth IRA conversion.

Retirement planning can be a daunting task. These four steps can help break the process down into manageable steps.

There are a lot of factors to consider when developing an estate plan that can minimize taxes. Learn the differences between estate tax versus inheritance tax.

Interested in contributing to a Roth IRA? Here’s what you need to know about Roth IRA income and contribution limits in 2022.

Trading in an IRA may be a way for some people to try to manage risk and potentially increase their income stream in retirement while having some tax-deferred benefits.

Financial Literacy Month is a good time to think about your financial wellness. Have you set goals, and are you on track to get there?

The IRS has extended the 2021 tax filing deadline to May 17 for most taxpayers. But there's an additional tax extension until June 15 for those impacted by winter storms in some states.

Taxes can be a drag. But they're necessary. And as a trader, there are some things you should know about taxes. Being aware of some important items at the start of the year can help make the process simpler and quicker.

A buy and hold strategy may be good for long-term investments. Bit when circumstances change, a long-term strategy may not be flexible enough. Laddering puts across price and time could help when stock markets are volatile.

Social Security is expected to see a shortfall in coming decades. Here’s what you need to know about protecting your golden years.

Here are five simple ways to build a roadmap that strives to help guard and grow your assets for the future.

Even if you got a late start on saving for retirement, there are ways to catch up on contributions to your 401(k) or IRA to have better chances of a successful life after work.

Consider a three-tiered pyramid approach to creating goals for your needs, wants, and wishes.

If you’re turning 72 years old and have assets in a traditional IRA, 401(k), or 403(b), you’re subject to required minimum distributions (RMDs). Here are some things to know.

There are several retirement myths that could lead to mistakes in your retirement planning. Don't risk sabotaging your retirement by accepting these myths as truth.

College graduation can be an exciting time, but paying for college debt and the newfound independence can be financially and emotionally overwhelming.

Seniors are returning to the classroom to continue their education and skills for a more fulfilling and meaningful retirement.

Freelance work can offer advantages like flexibility, but it also comes with more financial risk and uncertainty. Consider tax-advantaged retirement accounts to help combat some of the financial negatives of freelancing.

Temporarily protect your retirement against volatility risk. Here are some retirement- planning strategies.

Retirement planning is no small task. As life spans increase, you may have to add caring for your aging parents to your own list of retirement concerns.

How can maxing your IRA contributions help you in the coming tax season?

Asset dislocation—liquidating or selling the assets in your retirement accounts—involves tax planning and budgeting, among other things. Are you ready?

Today's workers face many challenges in their pursuit of a secure retirement. Learn what those challenges are and the benefits of using workplace retirements plans, such as 401(k)s, and IRAs to help close the retirement savings gap.

Publicly traded or private partnerships within the IRA can create UBTI or unrelated business taxable income. Learn how to report this information when filing taxes.

What is a tax refund and how do I get as big a one as possible? Learn the most commonly missed refund tips and tricks from TD Ameritrade.

Do I have enough to retire? Retirement planning can weigh heavily, but it doesn't need to. Follow these retirement savings guidelines to help ensure that your 401(k) and IRA contributions are maximized. Learn more with TD Ameritrade.

When planning your estate allocation, a straight-even division might not be the most appropriate where there are special needs.

Switching jobs and looking to save for retirement? Figuring out how much to save, avoiding high fees, and using tools and calculators can help remove the gues

Inherited IRAs may be simple exchanges for spouses, but require a little more work for those family members and friends who aren’t.

Use the final months of the year for retirement account tune-ups, including automated steps that can help you avoid penalty risk.

The DOL has decided to allow trading options in IRAs—learn more about strategies that can be used to manage risk and potentially generate income.

Before getting settled into your new job, think about what to do with your 401(k). Should you leave it alone, join a new plan, or roll over to an IRA?

What if you get a pay hike? Use it to go down a better path for the future and stash it away. Here’s how.

Our chief market strategist breaks down the day's top business stories and offers insight on how they might impact your trading and investing.

After years of contributing to your IRA, making withdrawals can take some getting used to. We’ve gathered some possible alternatives to help you manage your mandatory withdrawals.

Didn’t move your 401(k) when you moved jobs? From rollovers to reaping the benefits of company stock, learn ways you can incorporate your old 401(k) into your new life.

Working in retirement can stretch your budget and your mind. But there are tax, IRA withdrawal, and Social Security benefits to consider.

With IRAs, plenty of stop signs tell you what you can and can’t do with options. Are there workarounds?

The Motley Fool details four big mistakes that could devastate your finances.