Individual Retirement Accounts

Want To Be Your Own Driving Force? Active Trading in an IRA September 10, 2019 10:15 AM   |  

Actively trading in an IRA may be a way for some people to attempt to manage risk and potentially increase their income stream in retirement—while enjoying certain tax-deferred benefits.

3 min read  |  IRA & 401k Plans
HSA and Retirement: How to Use Your Health Savings Account August 19, 2019 10:15 AM   |  

Your HSA can be used during retirement. Learning about contribution limits, withdrawal rules and tax implications can help you be strategic in deciding how your HSA might fit into retirement planning.

5 min read  |  Retirement Planning
Spending, Saving, or Investing Your Bonus Money: How About All of the Above? August 8, 2019 10:30 AM   |  

Many people put their bonus check into savings, while others opt to invest it in a retirement account. Some consider it "free money" to spend on something they want. Find out how you could do all of the above.

4 min read  |  Household Finances
Life Hacks for Paying Off College Debt May 16, 2019 5:00 AM   |  

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

5 min read  |  Creating a Budget
2019 Roth IRA Income & Contribution Limits: What You Need to Know May 15, 2019 4:00 AM   |  

Interested in contributing to a Roth IRA? The limits have increased for 2019. Here’s what you need to know about Roth IRA limits.

5 min read  |  IRA & 401k Plans
Captain of Your Own Retirement Ship? Investment Choices Aweigh May 7, 2019 4:00 AM   |  

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

3 min read  |  Portfolio Management
Boomer U: Lifelong Learning for Seniors Heading Back to the Classroom May 6, 2019 1:18 PM   |  

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

5 min read  |  Retirement Lifestyle
How to Take In-Kind Distributions from Your Traditional IRA May 1, 2019 4:00 AM   |  

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.

5 min read  |  Plan Distributions
Freelance Economy: How to Prepare for Financial Uncertainty April 17, 2019 4:00 AM   |  

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.

5 min read  |  Household Finances
Planning Ahead: How Will Your Estate and Heirs Be Taxed? April 9, 2019 4:00 AM   |  

A will, a living trust, and the power of attorney are all factors to consider in developing an estate plan that can minimize taxes.

5 min read  |  Estate Planning
Rolling Over Your Nest Egg? 401(k) to IRA April 3, 2019 4:00 AM   |  

Trying to figure out what to do with an old retirement plan? Consider a rollover IRA.

4 min read  |  IRA & 401k Plans
Retirees: Is Your Investing Plan Built for Market Volatility? March 14, 2019 4:00 AM   |  

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

4 min read  |  Portfolio Management
4 Simple Steps for Naming Beneficiaries and Why It Matters February 5, 2019 4:00 AM   |  

Identifying the beneficiaries for your retirement accounts can seem daunting. Get tips from TD Ameritrade about ways to protect your assets, beneficiary types, and updating forms to help simplify the process.

4 min read  |  Estate Planning
Approaching Retirement? Steer Your Tax Strategy Carefully January 18, 2019 4:00 AM   |  

Nearing retirement and getting ready for tax season? Here are some things to think about as the new year begins.

4 min read  |  Tax Strategy
Retirement Updates: 2019 IRA & 401(k) Contribution Limits January 17, 2019 4:00 AM   |  

The IRS has announced the new contribution limits for tax-advantaged retirement plans. Find out the IRA and 401(k) contribution limits for 2019.

5 min read  |  IRA & 401k Plans
4 Steps to Help Make Sure Your Retirement Plan Is On Track January 15, 2019 4:00 PM   |  

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

2 min read  |  Retirement Planning
What to Do With an Old 401(k)? 4 Choices to Consider January 11, 2019 4:00 AM   |  

Learn about the available choices on what to do with a 401(k) held at with a former employer.

6 min read  |  IRA & 401k Plans
IRA Tax Deduction: Know Your IRA Types & Tax Considerations January 9, 2019 4:00 AM   |  

Learn the rules around IRA deductions for this year. What are the different types of IRAs, and how do I choose the best one for me? Learn more at TD Ameritrade.

7 min read  |  IRA & 401k Plans
Avoid This Parent Trap: Long-Term Care for Aging Parents November 29, 2018 4:00 AM   |  

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.

5 min read  |  Annuities
Working Toward Retirement Goals? Consider the Max IRA Contribution November 20, 2018 4:00 AM   |  

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

5 min read  |  IRA & 401k Plans
SEP Retirement Plans & More: Designed for Entrepreneurs September 18, 2018 4:00 AM   |  

Being fully committed to building your business doesn't mean you should ignore saving for retirement. Learn about available self-employed retirement plans.

4 min read  |  Small Business
Asset Location & Asset Dislocation: Cashing in Your Retirement August 27, 2018 4:00 AM   |  

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

5 min read  |  Retirement Planning
70% of Millennials Call Themselves Savers. Six Ways You Can Too August 16, 2018 4:35 AM   |  

Like generations before them, millennials want to be financially secure. Learn six saving and investing strategies that can help you pursue your goals.

4 min read  |  Savings Goals
Pursuing a Secure Retirement in the 21st Century April 10, 2018 12:00 AM   |  

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.

5 min read  |  Estate Planning
Tax Liability in an IRA? Unrelated Business Taxable Income (UBTI) March 21, 2018 8:00 PM   |  

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.

2 min read  |  Tax Forms
Traditional or Roth IRA: Which is Right for You? March 8, 2018 11:00 PM   |  

What is the difference between a traditional IRA and a Roth IRA? Which one should I choose? Can I have both? TD Ameritrade can help you decide.

3 min read  |  IRA & 401k Plans
What Is a Tax Refund Anyway? Demystifying and Maximizing February 21, 2018 11:00 PM   |  

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.

3 min read  |  Income Tax
Time to Check in with Your Retirement Plan February 8, 2018 7:00 PM   |  

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.

3 min read  |  Retirement Planning
Your Financial Plan—A Roadmap for Life's Ups and Downs February 7, 2018 7:00 PM   |  

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

4 min read  |  Savings Goals
Derivatives with Tax Benefits: Five Tax Options for Traders February 5, 2018 7:00 PM   |  

If options and other derivatives are a part of your portfolio, you should learn about the nuances of taxes on options trading, from the Ticker Tape by TD Ameritrade.

4 min read  |  Tax Strategy
How Your Retirement Will Be Different from Grandpa’s December 5, 2017 11:00 PM   |  

Retirement looks different now than in days of yore. Make sure you’re informed and planning ahead with specific goals—financial and personal.

2 min read  |  Retirement Lifestyle
Start Retirement Planning While Time Is on Your Side November 7, 2017 11:00 PM   |  

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.

5 min read  |  Retirement Planning
Retiring Early? The Rule of 55 Might Let You Begin 401(k) Withdrawals June 29, 2017 12:00 AM   |  

An IRS rule allows you to avoid the 10% penalty for early distribution on company-sponsored retirement accounts, but you must qualify.

3 min read  |  Plan Distributions
Estate Planning for Special Needs Children: Trying to Be Even-Steven? June 14, 2017 12:00 AM   |  

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

4 min read  |  Estate Planning
Thinking about Cashing Out Your 401(k)? You Might Have Better Options May 16, 2017 8:00 PM   |  

Today’s workers are expected to change jobs a number of times. Understand the implications of cashing out your 401k and get informed about the alternatives av

5 min read  |  IRA & 401k Plans
Social Security's Projected Shortfall: An Age-by-Age Guide for Planning March 30, 2017 12:00 AM   |  

The Social Security trust fund is projected to become insolvent by 2035. Future retirees may need to plan for a lower payout schedule.

5 min read  |  Retirement Planning
IRA Oops Moment: Crunch Your Net Income Attributable March 12, 2017 8:00 PM   |  

An Individual Retirement Account (IRA) excess contribution mistake can be reversed by calculating net income attributable (NIA). Here’s how to calculate your fix.

2 min read  |  Tax Strategy
IRA Contribution Oops Moment? Here's Your Penalty Fix February 27, 2017 7:00 PM   |  

If your IRA’s gotten too plump to please Uncle Sam, don’t fear. Removal of excess contributions (ROE) can help, if you respect deadlines and calculate the net income attributable (NIA).

2 min read  |  Tax Strategy
Job-Hopping? Don’t Skip These Retirement Ideas February 23, 2017 11:00 PM   |  

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

4 min read  |  IRA & 401k Plans
Inherited IRAs and Complex Rules: What You Need to Know January 18, 2017 11:00 PM   |  

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

4 min read  |  IRA & 401k Plans
Late-Year Retirement Checkups = Great. Automating? Even Better December 22, 2016 7:00 PM   |  

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

4 min read  |  Tax Strategy
Options in IRAs: The Final Word On What You Can Do September 28, 2016 12:00 AM   |  

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.

2 min read  |  IRA & 401k Plans
New Job: Should Your 401(k) Stay, Go, or Roll Over? A Look at IRAs August 31, 2016 12:00 AM   |  

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?

3 min read  |  IRA & 401k Plans
Trading Futures in an IRA? Getting Oriented to the Retirement Future May 18, 2016 12:00 AM   |  

Have you ever wondered what else can be traded in an individual retirement account (IRA) besides stocks and bonds? Learn how to trade futures in an IRA.

3 min read  |  Futures
Getting Ready to Retire? Know The Tax Implications April 28, 2016 7:00 AM   |  

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

3 min read  |  Tax Strategy
Take that Paycheck and Stash It: How to Save a Raise April 11, 2016 12:00 AM   |  

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.

4 min read  |  Savings Goals
Retirement Income: A Look at Annuities February 29, 2016 11:00 PM   |  

3 min read  |  Annuities
There's Still Time: 5 Tax and Investing Moves Before Year End December 9, 2015 7:01 PM   |  

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

4 min read  |  Tax Strategy
Making the Most of IRA Withdrawals November 3, 2015 3:00 AM   |  

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.

3 min read  |  Plan Distributions
Rollovers: Bring an Old 401(K) Back to Life November 3, 2015 3:00 AM   |  

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.

3 min read  |  IRA & 401k Plans
Age-Beaters: Longevity Annuities May Be Your Income Answer October 18, 2015 8:00 PM   |  

After rule changes, deferred income annuities known as Qualified Longevity Annuity Contracts (QLACs) offer delayed income payments as late as age 85 for IRAs.

4 min read  |  Annuities
Back to Work? When an Encore Career Just Doesn’t Pay July 14, 2015 8:00 PM   |  

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

6 min read  |  Retirement Lifestyle
Death and Taxes: Take Inherited-IRA Consequences Head On May 31, 2015 8:00 PM   |  

Inherited individual retirement accounts (IRA) are truly a gift. But they pose unique challenges for beneficiaries who must follow distribution and tax rules.

5 min read  |  Estate Planning
Stop Signs, Schlop Signs: Option Tricks for IRA No-Nos January 1, 2015 12:00 PM   |  

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

8 min read  |  Options Trading Basics
New Year’s Resolution: Get Up to Speed on New IRA Rollover Rule December 1, 2014 7:00 PM   |  

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

5 min read  |  IRA & 401k Plans
Four Big Mistakes That Will Devastate Your Finances June 14, 2012 10:29 PM   |  

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

3 min read  |  Portfolio Strategy
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