IRAs

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How to Reinvest in an IRA to Avoid a Penalty

A qualified retirement plan, such as your 401(k) plan at work, is a great place to set aside money for your golden years. Not only can you fund these plans with pretax contributions, but your investments grow tax-deferred until you withdraw money from the account. There might ...

How to Purchase a Rental House with an IRA

You can invest Individual Retirement Arrangement money in rental houses, but you can't do it directly with your existing traditional or Roth IRA. To be able to buy alternative investments such as houses or precious metals, you need to set up a self-directed IRA account, and ...

Can I Add Money to a Traditional IRA After a 401(k) Rollover?

When you leave your job, you get to take some or all of your 401(k) with you. If you deposit it in a bank, you pay tax on everything you withdrew. There's no tax, however, if you roll the money over to a traditional IRA. After the rollover, you can make regular contributions to ...

How to Purchase Silver Coins with IRA Funds

Individual retirement account rules allow you to invest in certain precious metals with your IRA money, including Silver American Eagle coins. To purchase the coins with your IRA you need an account custodian to make the purchase in the name of your IRA and store the coins. An ...

Does It Make Sense to Borrow for an IRA Contribution?

When you are considering where to invest for your retirement, the potential tax advantages of an IRA merit your attention. You may be able to contribute pretax dollars and accumulate investment earnings tax-free. Whether it makes sense to borrow money for an IRA contribution ...

Can a Roth Conversion Be Applied to the Previous Tax Year?

The deadline for executing a Roth IRA conversion for a given tax year is Dec. 31 of that year. This can cause some confusion, since you generally have until April 15 of the following year to add new money to a Roth or traditional IRA. But that only applies to new contributions, ...

What Documents Are Needed to Support an Educational Hardship Withdrawal?

College expenses, including tuition and room and board, averaged $13,600 a year for an undergraduate degree at a public university in 2012, according to the National Center for Education Statistics. These costs increased to $36,300 at a private, not-for-profit university. You ...

Roth IRA & Rules on Opening Accounts

A Roth individual retirement account is a retirement program that allows you to collect tax-free income when you retire. But you don’t get a tax deduction for Roth IRA contributions during your working years. Not everyone can open a Roth IRA. There are certain Internal Revenue ...

What Percentage of Retirement Funds Should Bonds Be?

When you save for retirement, you can adjust your portfolio through the years to reflect your needs. For example, when you are young, you can afford to take some risks because you have time to recover lost money. As you approach retirement, you may want to consider safer ...

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