Individual Retirement Accounts - IRAs
Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
Found 388 Articles.
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How To Avoid The Traps In Self-Directed IRAs
Your IRA investment universe is greatly expanded when you set up a true self-directed IRA, as we discussed last month. But to reap the benefits, you need to avoid some key pitfalls and traps in the tax law. Also known as the Checkbook IRA, LLC IRA, Super IRA and other names, the true self-directed IRA […]
How To Capture All The IRA Investment Benefits The Tax Law Allows
Stocks and bonds are down, so investors are looking for investment alternatives. Your IRA can invest in a lot more than stocks, bonds and mutual funds. IRAs can own real estate, private businesses, hedge funds, mortgages, tax liens and more. But only a certain type of IRA can own those other assets. Most IRA custodians […]
When Converting to a Roth IRA Doesn’t Pay off
Near the end of the year is when many people consider converting traditional IRAs to Roth IRAs. Often in “Retirement Watch” and in my books, I explain when it is a good idea to convert your IRA. Since the advent of Roth IRAs, I’ve been at the forefront of determining when it makes sense to […]
7 IRA Strategies to Consider for Year’s-End 2018
It is time for IRA owners to be proactive by planning and implementing their strategies for the rest of the year. There are many steps that can in-crease the after-tax wealth of your IRA.These actions can reduce income taxes,avoid penalties, increase after-tax investment returns and more. But you don’t want to be like most people […]
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The Charitable Remainder Trust: How to Protect & Stretch Your IRA
The number of people naming charitable trusts as IRA beneficiaries is climbing, and for good reasons. Typically, IRA beneficiaries are individuals, often the surviving spouse or the adult children of the owner. The goal often is to create a Stretch IRA, with the beneficiary taking only required minimum distributions (RMDs) each year so the tax-deferred […]
Government Pensions And Muni Bonds
There have been a lot of reports the last few years detailing the level of underfunding in state and local government pension funds. Most of these focus on how much money taxpayers will need to come up with in the future to make up the shortfalls. But lately there’s been another focus. Some argue that […]
The Most-Asked Roth IRA Question
This month we’re going to look at what lately has been the question I’m asked the most distribution from a Roth IRA isn’t tax free until at least five years have passed. Longtime readers know I believe rules of thumb and shortcuts are dangerous, and this is a good example. The summary stimulates a lot of […]
7 More Ways to Create a Roth IRA
One of the questions I receive most frequently from Retirement Watch subscribers is how to make estate planning gifts. Let’s take a look at the issues that recur among many readers. Gifts to family members are one of the staples of estate planning. But the tax law has changed, and that’s altered the role of […]
