Single or head of household: You must have a MAGI of $150,000 or less to contribute the full $7,000 to a Roth IRA (or $8,000 ...

A retiree planning to spend 4% a year from an IRA, for example, might hold two years’ worth of those planned withdrawals in cash (8% of the total portfolio ... are holding Roth IRAs earmarked ...

A diversified portfolio shouldn't rely only on the S&P 500 ... of investment returns can differ significantly. "That’s where ...

High-income households can use what's called a "backdoor Roth" to utilize a Roth IRA despite the program's standard income ...

Imagine that you have $900,000 in a Roth IRA and collect another $2,200 per month in Social Security. Can you afford to ...

Margaret Giles of Morningstar You shouldn’t have to cross your fingers and hope for a strong stock market to coincide with ...

For example, say that you’re 65 ... The main advantage of a Roth IRA is that your portfolio grows entirely tax-free. If you invest $1,000 and it grows to $10,000 you only pay taxes on the ...

So, for example, your required minimum distribution ... The minimum distribution rule does not apply to post-tax Roth IRA and Roth 401(k) portfolios, nor does it apply to standard investment ...

As such, retirees need to bear in mind three interrelated factors for managing their portfolios:: Income Taxes Required Minimum Distributions (RMD) Roth IRA conversions Most retirees who know ...

The idea is that it’s more expensive upfront to build a Roth IRA compared with a pre-tax portfolio like a traditional ... that you make the conversion. For example, if you move $50,000 from ...