{"id":15579,"date":"2024-08-08T17:57:22","date_gmt":"2024-08-08T17:57:22","guid":{"rendered":"https:\/\/coastccu1dev.wpenginepowered.com\/?p=15579"},"modified":"2024-08-15T22:27:38","modified_gmt":"2024-08-15T22:27:38","slug":"differences-between-roth-ira-traditional-ira","status":"publish","type":"post","link":"https:\/\/www.coastccu.org\/differences-between-roth-ira-traditional-ira\/","title":{"rendered":"What Are the Differences Between a Roth IRA and a Traditional IRA?"},"content":{"rendered":"<p><i><span style=\"font-weight: 400;\">Roth IRA? Traditional IRA? What are they? Do I need one?<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Are you concerned about planning for retirement? You\u2019re not alone! A recent <\/span><a href=\"https:\/\/www.cnbc.com\/2024\/04\/03\/many-americans-feel-behind-on-retirement-planning-cnbc-survey-finds.html\"><span style=\"font-weight: 400;\">CNBC poll<\/span><\/a><span style=\"font-weight: 400;\"> revealed that 53% of Americans surveyed \u201cfeel they are behind on retirement planning and savings.\u201d If you feel the same, you may want to consider investing in an IRA.\u00a0<\/span><\/p>\n<p><b>What does IRA stand for?<br \/>\n<\/b><span style=\"font-weight: 400;\">IRA stands for Individual Retirement Arrangement, but many people refer to it as an Individual Retirement Account. An IRA is an investment account that can hold a variety of assets, including stocks, bonds, mutual funds, certificates of deposit, money market accounts, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The traditional IRA was established by the Employee Retirement Income Security Act\u00a0of 1974, while the Roth IRA was created as part of the\u00a0Taxpayer Relief Act of 1997 and named after its legislative sponsor, Senator William Roth.<\/span><\/p>\n<p><b>Which type of IRA is right for me?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">There are a number of significant differences between a Roth IRA and a traditional IRA. Coast Central Credit Union\u2019s webpage <\/span><a href=\"https:\/\/www.coastccu.org\/personal\/ira-accounts\/\"><span style=\"font-weight: 400;\">IRA Accounts<\/span><\/a><span style=\"font-weight: 400;\"> provides a wealth of information about both kinds.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Roth IRA<\/span><\/i><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your<\/span> <span style=\"font-weight: 400;\">contributions are not tax-deductible.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contributions can be withdrawn at any time without penalty or taxes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earnings can be withdrawn tax-free after age 59\u00bd if you\u2019ve had the account for at least five years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You don\u2019t have to make any minimum withdrawals during your lifetime.\u00a0<\/span><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\">Traditional IRA\u00a0<\/span><\/i><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your contributions may be all or partly tax-deductible. (This depends on your filing status, your <\/span><a href=\"https:\/\/www.nerdwallet.com\/article\/taxes\/modified-adjusted-gross-income-magi\"><span style=\"font-weight: 400;\">modified adjusted gross income (MAGI)<\/span><\/a><span style=\"font-weight: 400;\">, and whether you or your spouse have work retirement plans.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your withdrawals during retirement will be taxed as regular income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you withdraw money before age 59\u00bd, you will probably have to pay a penalty.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You must make minimum withdrawals, called Required Minimum Distributions (RMDs), starting at age 72 or 73 (depending on birth year).<\/span><\/li>\n<\/ul>\n<p><b>How much money can I contribute to an IRA?<br \/>\n<\/b><span style=\"font-weight: 400;\">Each year, the Internal Revenue Service (IRS) sets the IRA contribution limit. In 2024, the limit is $7,000 if you\u2019re younger than 50, and $8,000 if you\u2019re 50 or older. Contributions for the tax year can be made until the following year\u2019s Tax Day, so this year\u2019s deadline is April 15, 2025. If you have more than one IRA, the limit applies to your total contribution to all of them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Be sure to check out Coast Central\u2019s helpful calculator: <\/span><a href=\"https:\/\/www.fintactix.net\/coastcentral\/tools\/retirement\/r05\"><span style=\"font-weight: 400;\">Spend It or Invest in an IRA<\/span><\/a><span style=\"font-weight: 400;\">. When you input information, such as investment amount, current age, retirement age, and other factors, you will learn the potential value of your investment, comparing a traditional IRA with a Roth IRA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition, you can<\/span><span style=\"font-weight: 400;\"> easily access <\/span><a href=\"https:\/\/www.coastccu.org\/rates\/\"><span style=\"font-weight: 400;\">Coast Central\u2019s rates for IRAs<\/span><\/a><span style=\"font-weight: 400;\">. (Click the Retirement tab.)\u00a0<\/span><\/p>\n<p><b>What are the income limits for a traditional IRA?<br \/>\n<\/b><span style=\"font-weight: 400;\">There are no income limits.<\/span><b>\u00a0<\/b><\/p>\n<p><b>What are the income limits for a Roth IRA?<br \/>\n<\/b><span style=\"font-weight: 400;\">Each year, the IRS sets the income limits, based on your <\/span><a href=\"https:\/\/www.nerdwallet.com\/article\/taxes\/modified-adjusted-gross-income-magi\"><span style=\"font-weight: 400;\">modified adjusted gross income (MAGI)<\/span><\/a><span style=\"font-weight: 400;\">. As of 2024, if your tax status is single, your MAGI must be less than $146,000 to contribute the full amount allowed, and less than $161,000 to make any contributions. For those whose tax status is married filing jointly, the MAGI must be less than $230,000 to contribute the full amount allowed, and less than $240,000 to make any contributions.<\/span><\/p>\n<p><b>Is a 401(k) an IRA?<br \/>\n<\/b><span style=\"font-weight: 400;\">While both are for retirement savings, they are different kinds of plans with different rules.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A 401(k) is a retirement plan that employers set up for their employees to contribute to. Often, the employer offers a \u201cmatch\u201d to the employee\u2019s contributions\u2014such as the same percentage that the employee contributes\u2014within specified limits.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many 401(k)s are traditional, so the money you contribute is tax-deferred, and your income taxes on the employer\u2019s matching funds are also tax-deferred. However, some employers offer a Roth 401(k) plan, where you make contributions with money that has already been taxed. Recently, employers have been allowed to make matching contributions to this type of plan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Coast Central provides a helpful calculator about both types: <\/span><a href=\"https:\/\/www.fintactix.net\/coastcentral\/tools\/retirement\/r03\"><span style=\"font-weight: 400;\">Traditional 401(k) or Roth 401(k)?<\/span><\/a><span style=\"font-weight: 400;\"> When you input information, such as current age, retirement age, annual contribution, and other factors, you will learn the potential value of your investment, comparing a traditional 401(k) with a Roth 401(k).<\/span><\/p>\n<p><b>What is a rollover IRA?<br \/>\n<\/b><span style=\"font-weight: 400;\">If you leave a job and do not wish to keep your employer-sponsored retirement account, such as a 401(k), you have several choices\u2014one of which is a rollover IRA. With this option, you move the money from your 401(k) into an IRA (either Roth or traditional). This keeps you from being taxed on the money or paying an early withdrawal penalty. There is no maximum amount you can transfer into a rollover IRA, so this is a good option if you want to consolidate all your old 401(k) accounts in one place.<\/span><\/p>\n<p><b>How do I open a Roth IRA or a traditional IRA?<br \/>\n<\/b><span style=\"font-weight: 400;\">You can get both kinds of IRAs from a variety of places, including a credit union, bank, brokerage firm, insurance company, mutual fund company, online broker, and a robo-advisor platform (automated investing service).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Contact the knowledgeable and friendly team at Coast Central\u2019s Member Support Center to set up a Roth IRA or a traditional IRA. We believe that with an IRA and good planning, you can have a great retirement! The best times are yet to come!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Experience The Coast Central Difference\u2014<\/span><a href=\"https:\/\/www.coastccu.org\/where-you-are-central\/\"><span style=\"font-weight: 400;\">Where YOU are central<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Roth IRA? Traditional IRA? What are they? Do I need one? Are you concerned about planning for retirement? You\u2019re not alone! A recent CNBC poll revealed that 53% of Americans surveyed \u201cfeel they are behind on retirement planning and savings.\u201d &hellip;<\/p>\n","protected":false},"author":21,"featured_media":15580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[14],"tags":[],"class_list":["post-15579","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounts-loans-posts"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Are the Differences Between a Roth IRA and a Traditional IRA? - Coast Central Credit Union<\/title>\n<meta name=\"description\" content=\"Roth IRA? Traditional IRA? What are they? 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