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What Should I Know About Roth IRAs?
Roth IRAs are a very popular and useful accumulation vehicle, and there are some things you should be aware of. Along with Traditional IRAs, Roth IRAs are very important retirement tools and should be taken into careful consideration while deciding upon the account that is right for you.
The first thing you’ll want to know is whether you can contribute, based on income limitations, so check the current IRS website to find out.
Next, you’ll want to weigh the benefits of using a Traditional IRA vs a Roth. Roth IRAs take after-tax contributions, grow tax deferred, and can be accessed tax-free in retirement.
They also give you the liquidity to take penalty-free withdrawals before retirement, up to the amount that you contributed into the account. For the earnings, you will want to wait until after age 59 ½ to withdraw.
Roths are not subject to RMDs, so you are not required to take money out at age 70 ½. Your investment options inside of a Roth depend on the custodian/trustee company that you use.
We encourage you to do your research to find the account that is going to be the most advantageous to you and your investing style.
What are the Tax Implications for Making a Profit (or Loss) On a Stock?
Gains on stock investments will be taxable in the current year unless they can be offset with losses
What is the Falling Flag (Bearish) Pattern?
The Falling Flag (or Bearish Flag) pattern looks like a flag with the mast turned upside down (the mast points up)
What is GAAP?
GAAP are the accounting principles which must be followed by publicly traded corporations and are widely used elsewhere
What is an Accounting Convention?
An accounting convention is an established an agreed-upon method of documenting specific items on a company’s books
What are Federal Tax Brackets?
Generally the lower income amounts will correspond to lower percentage toward federal income tax than higher income
What is the right mix of assets for me?
There is no such thing as a mix of assets that is right for everyone. It depends on your age, employment situation...
What is Operating Cash Flow (OCF)?
Operating cash flow is the amount of cash a company is able to generate from its operations
What are Accounts Payable?
A 10-k is an annual filing required by the SEC for companies over $10 Mil, which provides the regulators with more detail
What is the Absolute Breadth Index?
ABI is an indication of the size of market movement, regardless of direction
What is Unsystematic Risk?
Unsystematic risk is unique risk that does not reflect a direct correlation with the risk present in the market