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Retirement Investing


Transferring Your Roth IRA
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A Roth IRA is the most preferred type of investment vehicle because this allows tax-free growth. The taxes for Roth IRA are paid upon contributions, and so the investors will have the opportunity to enjoy tax-free profits for their investments. They will also enjoy tax-free withdrawals as long as they meet the required parameters. This is the reason why it is really important to choose the best types of investments for our Roth IRA, and choosing the best IRA company is highly recommended. Roth IRA owners are also advised to find the IRA provider that offers no fee Roth IRA, so they can maximize their returns in the future.

Should You Convert to a Roth IRA?
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Moving your money from a normal Individual Retirement Account to a Roth IRA is not a one-minute decision. You need to carefully consider the following facts before deciding if the conversion is worth it. So, should you convert to a Roth IRA? The information below will help.

What’s the difference between a Roth and Traditional IRA?
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Most employed individuals are recommended to save part of what they earn today for the sole purpose to invest those funds for their future. This is one good way to get the kind of comfortable retirement and financial security that all of us want. One great example of an investment vehicle that is designed for the retirement of employed individuals is the Individual Retirement Account, or IRA. The next question is, what is an IRA?

Beneficiary IRA
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An Individual Retirement Account, or IRA, is an investment vehicle which is specifically designed for the retirement of employed individuals. Most people who want to have a secured retirement would prefer to invest part of their income in an IRA. An IRA can hold several types of investments, and so it would be easier for the IRA owners to diversify their funds and create a better investment portfolio. Most employed individuals who earn a taxable income in the form of salaries, wages, commissions, bonuses, and service fees may open an IRA as long as they meet the qualifications. When an individual opens an IRA, then he is considered as an IRA owner.

Take Money Out of 401k
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Cashing out your 401k before retirement can be very expensive, so you may want to think twice before doing so. You should think it over very carefully before finally deciding to take money out of your 401k – especially if you’re just doing this for quick financial assistance. Some people are really tempted to cash out 401k, especially during hardships — but this can cost a lot of money today, and even more profit opportunity in the future.

There is actually another (and often better) option: to borrow money from your 401k account, which can also help with your quick financial needs. Most of the time, borrowing from 401k is much better than a total cash out. With this, it is essential to be familiar with the 401k loan rules.

• Use our 401k Cash Out Calculator to see how much money you will lose just by taking money out of your 401k!

Switching IRA Companies
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An Individual Retirement Account, or IRA, is a kind of investment vehicle which allows employed individuals to make investment contributions for retirement. Such contributions can be invested into several kinds of investments, which will serve as an income replacement by the time you retirement. There are actually several types of IRA plans available, and it is best to choose the one which would best suit your individual retirement plan.

IRA Do-Over
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You may already be familiar with IRA conversions, and are well aware that these are allowed. You can convert your Traditional IRA into a Roth IRA just fine; and most investors do this because of the thought that a Roth IRA will be more advantageous so they will enjoy all the tax-free growth and tax-free distributions upon retirement. However, what if the converted Roth IRA accounts are now worth less by the time the account holder converts them? It is normal to make mistakes, however in this case, your actual money and investments are at stake!

Open Opportunity IRA
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Investing in an Individual Retirement Account (IRA) may sound simple and easy, but there are plenty of considerations that we have to understand, and there are choices that we need to make. First of all, we have to find the best IRA companies that are offering the best IRA rates — it is obvious that getting the best is what we all want and need. Opening a type of IRA which is flexible enough to give us freedom with our investments, and better opportunities for growth, is advised.

High Yield IRA
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Investing in an Individual Retirement Account or IRA is one of the most effective ways to secure one’s funds and wealth for their future. As we know, any employed individual who is earning a taxable income in the form of salaries, wages, service fees, tips, bonuses, and commissions during the same year are allowed to make contributions to an IRA.

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Your Individual Retirement Account (IRA) is designed to be a safe savings option along with its tax exempting character. However, smart investors will look beyond these known benefits and leverage the borrowing option to their advantage. Alongside smart investors, investors in need may also want to exercise their option to borrow money from their IRA. In both cases, the nuances of how to take money out of IRA goes a long way in ensuring optimal borrowing decisions.

Withdraw 401k Early
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Employers have strict restrictions on the withdrawal criteria of 401(k) type accounts. Early 401k withdrawals before the age of 59.5 attract a penalty of 10% in addition to income taxes. 401k withdrawals can only be made on medical grounds or in cases of defined financial difficulty 401k hardship withdrawals are given on rare occasions and in some organizations, but it is mostly not possible.

Roth IRA Taxes
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In planning for your future you have definitely looked into the best ways to handle your money so you have more of it when you ride off into the sunset. In your research you’ve come across Roth IRA’s and the benefits they give you in retirement. What you may not know are the rules and taxes tied to them between now and your office retirement party. Let’s look at a rundown of these taxes and regulations so you can protect your assets in your Roth IRA.

Safe Harbor 401k
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A Safe Harbor 401k plan is a type of 401k plan with added benefits for the individual. The main difference of the safe harbor 401k plan is that it allows for individuals to contribute towards the retirement plan from their own salaries. The employers can contribute matching amounts to the plan for the employees. The contributions that are made from the employer are subject to tax while the contributions that are made by the individual are exempt from federal and income tax rules.


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It’s Not Too Late! - You can still open your IRA today and receive taxable deductions for 2015. Learn How