Strategies for maximizing your Individual Retirement Account (IRA’s) Investments, Tax Savings and Timing of Required Minimum Distributions
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The closing of this year brings some important opportunities to IRA owners. Don’t put this issue aside until you have read this article and decided whether you need to take action by Dec. 31. Those of you who converted a regular IRA to a Roth IRA this year have a decision to make. When a […]
We’ve done better than most investors since the market peak in March 2000, including the most recent market decline. Even so, you still might own some underwater investments, especially in your Core Portfolio. For example, American Century Income & Growth has declined with the general market. These underwater investments can be used productively to minimize […]
Note: This article is an update of the article in the September 2001 Estate Watch and should be read together. Click here. You now can make your IRA last longer than ever. Thanks to final IRS regulations, account owners over age 70 1/2 are required to take less out of their IRAs or other qualified […]
The Roth IRA is one of the best investment tax shelters Congress ever created. But volatile markets add some complications to Roth IRA decisionmaking. If you converted a traditional IRA into a Roth IRA earlier this year or if you are considering a conversion, you should keep an eye on the markets before and after […]
What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.
It is not always a good idea to keep money in an IRA as long as possible. In most cases, it makes sense to let income and gains compound tax deferred for many years. But that can change as you get older. You might benefit by taking more money out of an IRA than you […]
The IRS recently created a tremendous opportunity to improve your financial and estate planning. In a surprise to everyone, the IRS in early January issued new rules for taking required minimum distributions (RMDs) from IRAs and other qualified retirement plans after age 70 1/2. The previous rules, described in detail in my Retirement Tax Guide, […]
One of the best tools you can use to help a child or grandchild is a Roth IRA. Created as retirement accounts, you can’t do better for estate planning and transferring wealth. You’ve probably heard the advantages of Roth IRAs. Earnings of the Roth IRA are not taxed, and neither you nor your beneficiary pays […]
New rulings from the IRS make it easier to preserve your IRA for a generation or more. Your children and grandchildren can use tax deferral even longer, and IRAs can be customized for each heir. But you have to take action to benefit from these rulings, and you should leave instructions for your heirs. Otherwise, […]