Roth Ira on Shine

Should I Divert Unmatched 401k Contributions to a Roth IRA?

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The examples below illustrate that the tax liabilities of comparable 401k and Roth IRA contributions are equivalent. In general, the 401k contribution is made in pre-tax dollars, and while you pay taxes on the value of the account at withdrawal, you are essentially only paying taxes on the contributions – earnings are effectively tax-free. A Roth contribution is made in after-tax dollars – you pay taxes on the contribution up-front, and its earnings are also tax-free. The key to comparing after-tax returns on a 401k investment to a Roth is to be sure that the contributions you are comparing involve the same amount of pre-tax income. 401k plan, roth ira, after tax, tax rate, roth ira contribution

eRollover | Divorce Advice with regards to Financial Planning

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Start with a Budget No matter how sophisticated you think you are about your finances, don't pass up the opportunity to set a basic financial budget for your new life.

Retirement plans for the unemployed, underemployed and self-employed

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If you've lost your job--and its 401(k) plan--you may be tempted to put your retirement contributions on hold. Don't.

Stop saving for even a few months and it can be tough to get back into the habit, and it can be even tougher to make up for the lost contributions. "Even when you get a new job, it's easy to tell yourself you can't afford to contribute right away, or to contribute much, and then you'll really fall behind," says certified financial planner Annie McQuilken, founder of Kintyre Financial Advisors in Lexington, Mass.

IRA Withdrawal Penalties | If you need money out of your IRA

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eRollover would like its readers to understand the potential downfalls for taking a distribution out of your Roth, SEP, SIMPLE, or Traditional IRA.

Companies cutting 401k Matches due to Recession

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As the recession continues to plague our economy, the next shoe to drop may well be your employer match on your 401kplan. However, there are many things to think about when planning for your 401k strategy.

Two benefits to a down market (hint: it’s your IRA)

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By Katie McCaskey, Geezeo.com

If you’re like a lot of people you’ve realized that saving for your future will need more than just the here-and-there approach. If you’re lucky, you’ll get to…

Everything you need to know about IRA's

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Everything you need to know about IRA's

What's New for 2008

Traditional IRA contribution and deduction limit. The contribution limit to your traditional IRA for 2008 will be increased to the smaller of the following amounts:

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The Newest Community for Personal Finance, Investing, and Retirement Topics is eRollover.com.

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Don’t put your retirement plan totally on automatic

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