Roth IRA

Start the new year off right by making resolutions for your portfolio. Consider evaluating your portfolio regularly, trimming off unwanted assets or liabilities, learning new investing skills, saving regularly, and planning early.

The COVID-19 pandemic has made this an interesting year for investors—particularly for those in or near retirement. But is it fair to call 2020 a “game changer” for retirement planning?

A leadership change in the White House could mean a shift in policy priorities, but if you’re a long-term investor, other factors such as earnings, taxes, and interest rates may be larger concerns. Perhaps now’s the time for a post-election portfolio review.

Considering the many disruptions and complexities of everyday life in 2020, charitable donations and tax strategy might not be top of mind. But some charities need help now more than ever. And recent legislation has changed some of the rules.

Pension plans and other defined-benefit plans have been going by the wayside in favor of defined-contribution plans such as 401(k)s and IRAs. Learn why and what you can do.

With the 401(k) match at some companies disappearing in the wake of COVID-19, is it time to look into other types of retirement accounts?

Building a long-term investing portfolio includes defining goals, establishing asset allocation, and managing a portfolio. Whether you're entirely self-directed or you enlist the help of a professional, here are some tools to help.

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.

Millennials lead the way in first-time homebuyer stats and appear ready to move forward with this important milestone. But a few roadblocks still exist.

Learn about contributions, withdrawals, and distributions to help you avoid paying tax penalties on your retirement accounts.

The SECURE Act, passed in December 2019, means big changes are coming for beneficiaries of inherited IRAs—namely the elimination of the so-called stretch provision. Here’s what inherited IRA beneficiaries need to know.

Avoid stiff RMD penalties: You may begin withdrawing funds from your IRA and 401(k) accounts at age 59 1/2, but when you turn 70 1/2, it's required.

Understand Roth IRA withdrawal rules and how to avoid penalties.

Many retirees are surprised to learn that, above a certain income threshold, Social Security can be subject to taxation. Here are strategies to consider.

Are you a member of the military or a federal employee? Here’s what you should know about Thrift Savings Plans. Plus, new changes just went into effect in September 2019.

Have 401(k) questions? We’ve got answers to the most frequently asked 401(k) questions to demystify the most common type of retirement plan. Explore contributions, taxes, withdrawals, and penalties for your 401(k) plan.

Trading in your retirement account has several potential advantages and disadvantages to consider as you develop your strategy.

It's never too early to teach kids about finances and help them start saving for their own retirement.

Can I contribute to a 401(k) and a traditional or Roth IRA? Many people have more than one retirement account. Maximize your retirement savings by understanding how you can contribute to multiple tax-advantaged retirement accounts.

Some financial professionals have recommended life insurance policies as a retirement funding source. While it’s true that some policies can offer protection and act as a retirement savings vehicle, such a strategy might not be the most effective. Here are three alternatives.

It’s important to have a retirement plan in place, but if you have to retire early, what sources of income can you rely on?

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

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.

Baby boomers will soon start to enter retirement, and with life expectancy extending, there will be many volatile factors to consider for your own retirement.

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

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

Wish you could contribute to a Roth IRA, but you're above the income limit? Consider using a backdoor Roth IRA to make it happen.

If you have both taxable and tax-advantaged accounts and can choose which securities are held in which accounts, here are some ideas to help you decide where to invest.

Ready to invest for retirement? Learn a few simple steps to get a retirement investment portfolio ready for the road.

Is someone in your family moving from lecture hall to office this year? Here are a few ways to help 2019 graduates get a head start toward a strong financial footing.

What's the difference between a 401(k) and a 403(b)? Find out when the 403(b) might work for you.

Learn how Social Security works and how to maximize your benefits and retirement income.

Are you ready to start estate planning and writing a will? Let's explore several dos and don'ts of the estate planning process.

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?

As the year winds down, it’s time to assess your retirement accounts, look at your retirement plan and determine if you should make an annual contribution.

Build your retirement nest egg with an individual retirement account. There are tax advantages of Roth, Traditional, SIMPLE and SEP IRAs.

College costs are rising at a faster clip than inflation, leaving many parents in a financial lurch. Nontraditional accounts like a Roth IRA may help.

Where retirement planning and reality intersect, tough decisions loom. TD Ameritrade retirees share what they know now that they wish they knew then.