Understanding Roth IRA rules and 2023 contribution limits can help you get on the path to a more secure retirement. Are you maximizing your investment potential?
If you want to invest for retirement and save taxes later in life, opening a Roth IRA may be a smart move. However, there are strict rules on how much you can contribute to a Roth IRA.
Contributions to a Roth IRA are made with after-tax dollars, which means your money can grow tax-free. When you’re ready to take distributions from your Roth IRA in retirement (or after age 59 ½), you also won’t have to pay income taxes on your distributions.
If you want to start contributing to a Roth IRA as part of your retirement strategy, keep in mind that there are some limitations. For example, if you’re under 49, you can contribute up to $7,000 during the 2024 tax season.
Interested in learning more specific information about Roth IRAs? Here’s everything you need to know.
What Is a Roth IRA?
A Roth IRA is an individual retirement account (IRA) that allows you to save for retirement on a tax-deferred basis. Contributions to a Roth IRA are made with after-tax dollars, and qualified withdrawals are tax-free.
This means the amount you contribute today will not be taxed, and any amount you withdraw (including earnings) when you reach retirement age can be withdrawn tax-free.
How Much Can You Contribute to a Roth IRA?
For the 2024 tax season, standard Roth IRA contribution limits are increased from last year, with an individual limit of $7,000. Plan participants age 50 and older have a contribution limit of $8,000, which is often referred to as a “catch-up contribution”
What You Need to Know About Roth IRAs
Here’s the thing about opening a Roth IRA: Not everyone has access to this type of account. We’ve listed below some important Roth IRA rules you need to know.
Fund Distributions
In addition to future tax savings, a Roth IRA account has some unique benefits. For example, you don’t have to take required minimum distributions (RMDs) from a Roth IRA at any age, and you can keep the money in your account as long as you live.
You can also continue to contribute to a Roth IRA after age 70 ½ as long as your taxable income is below the Roth IRA income limits.
Roth IRA Income Limits
Due to income caps, not everyone can contribute to a Roth IRA account. There are some income guidelines that must be followed—it’s even possible that your income is too high to use a Roth IRA at all.
If your taxable income falls within certain income ranges, your Roth IRA contributions may be “phased out.” This means you cannot deposit the full amount into your Roth account.
Here’s how Roth IRA income limits and phaseouts work, depending on your tax filing status.
Married couples filing jointly:
• Couples with modified adjusted gross income (MAGI) less than $218,000 can contribute up to the full amount.
• Couples with MAGI between $218,000 and $227,999 can contribute less.
• Couples with a MAGI of $228,000 or more cannot contribute to a Roth IRA.
Married couples filing separately:
• Couples with a MAGI of less than $10,000 can contribute less.
• Couples with a MAGI of $10,000 or more cannot contribute to a Roth IRA.
Single tax filer:
• Single tax filers with MAGI less than $138,000 may pay up to the full amount.
• Single tax filers with MAGI between $138,000 and $152,999 can reduce their contributions.
• Single taxpayers with a MAGI of $153,000 or more cannot contribute to a Roth IRA.
Retirement Account Conversions Allowed
If you have another type of retirement account, such as a traditional IRA or even a workplace 401(k), you may be tempted to convert this account to a Roth IRA. This is called a Roth IRA conversion, and it requires you to pay income taxes on your distributions now so that you can avoid paying them later.
Although it sounds drastic and unnecessary, there are many situations where a Roth IRA conversion makes sense. For example, let’s say you don’t make a lot of money in a particular year and you want to convert to a Roth IRA while paying a very low tax rate. You can pay your taxes now and avoid paying higher rates of income tax later in life.
As mentioned before, a Roth IRA account does not require you to take minimum distributions while you are alive. If you don’t want to be forced to take minimum distributions (RMDs) like you would with a traditional IRA or 401(k) at age 72, rolling the funds into a Roth IRA makes sense.
With a Roth IRA conversion, you create an opportunity for your money to grow and compound interest unaffected over a longer period of time.
IRA Recharacterization
Recharacterization occurs when you transfer funds from a Traditional IRA to a Roth IRA, or from a Roth IRA to a Traditional IRA. More specifically, recharacterization changes how specific contributions are designated based on the type of IRA.
For example, maybe you thought your income was too high to contribute to a Roth IRA in a particular year, but discovered that your income was actually low enough to contribute the full amount. After all, if you’re already contributing to a traditional IRA, recharacterizing can help you roll the funds into a Roth IRA.
Of course, the reverse is also true. You may think your income qualifies you to contribute to a Roth IRA, but at the end of the year you find out you were wrong after you’ve already contributed to the Roth. In this case, it may make sense to recharacterize a traditional IRA.
These moves can be complex and may have significant tax consequences. Before changing the name of your IRA contributions and facing potential tax consequences, it’s best to consult a financial advisor or tax professional.
Early Withdrawal Penalties
You can withdraw your Roth IRA contributions at any time without penalty. Additionally, if you have had a Roth IRA account for at least five years, you can withdraw contributions and earnings at age 59½ and older. This is considered a qualified expense and does not incur an early withdrawal penalty.
But there are downsides if you need to withdraw your income before retirement age. If you choose to withdraw Roth IRA earnings before age 59 ½, you will face a 10% penalty. But there are some exceptions.
For example, you can withdraw earnings from your Roth IRA account without paying a penalty if you have had a Roth IRA account for at least five years and you qualify for one of the following exemptions:
• You use the money to buy your first home,
• you are totally and permanently disabled, or
• Your heirs receive the money after your death.
What’s the Difference on Roth IRAs vs Traditional IRAs?
The main difference between a Roth IRA and a traditional IRA is their tax structure. Contributions to a Traditional IRA are made with pre-tax funds and withdrawals are taxed at the individual’s current income tax rate, whereas contributions to a Roth IRA are made with after-tax funds but withdrawals are tax-free.
Another key difference is that Roth IRA contributions can be withdrawn at any time without penalty, whereas Traditional IRA contributions may incur a 10% early withdrawal penalty before age 59 1/2. Additionally, each type of IRA has different contribution limits and eligibility requirements.
Where to Get Help Opening a Roth IRA Account
If you feel that a Roth IRA is the best retirement vehicle to achieve your goals, you can open a Roth IRA at almost any brokerage account. But they don’t all offer the same investment options. Some brokerages also offer more help with creating your portfolio, and some charge higher (or lower) fees.
That’s why we recommend you consider the type of investor you are before opening a Roth IRA. Do you need help creating your portfolio? Or would you like to choose from individual stocks, bonds, mutual funds and ETFs and create your own?
When comparing companies, be sure to check the investment fees and the types of investments each account offers. We’ve done some basic research for you and compiled a list of the best brokerage firms to open a Roth IRA.
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