Roth IRA

Roth IRAs have become a popular way to invest for retirement because they offer different tax advantages from a traditional IRA. Instead of taking the tax deduction on the balance at the time of withdrawal, contributions are done with after-tax dollars, and the withdrawals are tax free.

When it comes time to taking a Roth IRA withdrawal, the IRS has established ordering rules which guide the order of distributing funds within your Roth IRA, for the purposes of tax reporting. These rules are put in place to order the sequence of distributions from various funding sources within your Roth IRA.
A Roth IRA recharacterization allows you to reclassify your IRA contribution, or conversion, from a Roth IRA back to a traditional one.
The Roth IRA allows qualified individuals to make after-tax contributions, yearly, into an investment account which will grow at a tax free rate. At retirement, individuals will be able to withdraw funds at a tax free rate.
The Roth IRA contribution limit for 2009 is $5,000($6,000 for individuals above 50). Participation is subject to Roth IRA limits on income that is earned by an individual or couple.
If you have a traditional IRA, Roth IRA, or even 401k, you may be considering a Roth IRA conversion, or Roth IRA rollover. Before you make the move, you need to consider the advantages and disadvantages of converting to Roth IRA.
It is important that you understand the many different rules which surround a Roth IRA withdrawal. Understand the tax consequences for a qualified, non-qualified, and conversion Roth withdrawal
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