How to Convert to a Roth IRA

A smart Roth conversion strategy reduces future taxes, protects a surviving spouse and avoids Medicare premium surcharges.

Why High Earners Are Funneling $7,500 a Year Through a Backdoor Roth IRA Even After Maxing Their 401(k)

A 35-year-old software engineer earning $220,000 can’t contribute directly to a Roth IRA. The income limit phases out completely for single filers above $168,000 in 2026. Instead of skipping the Roth ...

Should You Use a Mega Backdoor Roth Conversion for Your Tens of Thousands in Savings?

Those with extra savings may be missing out on tax‑free growth. Learn when a mega backdoor Roth makes sense, how it works ...
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Master Roth 401(k) Rollovers: Rules & Strategies

Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. Khadija Khartit is a strategy, investment, ...
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The After-Tax 401(k) Move That Lets High Earners Shelter Up to $47,500 More Per Year in a Roth Account

You can move funds from a 401(k) plan to a Roth IRA. Here's what you should know when using these accounts in your retirement ...