Roth conversions should never be done on a whim — they're a product of careful timing and long-term tax considerations. So how can you tell whether to go ahead?

When saving for retirement, you’ll typically have two choices for how you’ll fund your IRA. With a traditional IRA, you’ll contribute pre-tax dollars that will grow inside the account tax-free and be ...

Many well-meaning people take the benefits of a Roth IRA for granted. With the tax benefits of a Roth IRA, modest contributions over long periods can translate into a substantial amount of tax-free ...

Learn how to calculate your Roth IRA contribution limit based on your income and filing status for 2025 and 2026. Maximize ...

Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. Thomas J Catalano is a CFP and Registered ...

If you want to make a regular Roth IRA contribution but are disqualified because your income is too high, you can circumvent the income limit by using the backdoor contribution strategy. The backdoor ...