A Roth IRA is a retirement account, whereas a Roth 401K/403b/457/TSP is a company retirement plan. Unlike a Roth 401K/403b/457/TSP, a Roth IRA can be used as a college account for your children, as a down payment account for your home purchase, as an emergency account for your family, or as a retirement account.
You made many good points, Katherine. Both accounts are designed to provide the individual an opportunity to save and invest for their retirement needs. In 2013, the Roth 401K has contribution limits of $17,500 and the Roth IRA has contribution limits of $5,500. Add $5,500 and $1,000 to those totals if you are 50 or older.
Just as Katherine stated, the Roth IRA also can be used for many other reasons than just retirement. Understand the rules clearly before selecting one or more of the exceptions. Both types of accounts should be used to grow your money over time without taxation. You win in the year you earn your dividends and capital gains and you will win when you finally pull it out as ALL of the money will be tax-free (understand the 5 year rule before accessing earnings).
Finally, the Roth 401K is found at the workplace while the Roth IRA must be started by the individual outside the workplace at another location like a bank, credit union, or investment company like Vanguard (my recommended choice). Get started TODAY!
to myself Better bulcke down Close game .I lost it .3-0 .I got to 3-1, but he won the next two game, adn he EARNED them ..tremendous play .AND movement .he was figuring me out! Down 5-1, I took the next three games. But he hit the line on every serve in the next game and had me set point he hit me a jamming serve, which I mishit .It bounced twice on the net and dropped over ..From there I won in a tiebreak ..playing one key point where I brought him in and lobbed him FOUR times, and he STILL one the point .but I think I got to his legs on that one, and it cost him the next couple of points ..I’m glad it didn’t get to go to a third set .he seemed a lot fitter than me. Playing a lot less tennis, I have been surviving on ping pong. What a great game .The local University has a tremendous ping pong club that is open to the public ..ON a Thursday night at ten PM, it was forty college kids and 57 year old yours truly hacking it out I could beat most of the hackers, but some of the kids from the team are superb, playing in a stle like the Olympic champs .a couple of young ladies from China were better than all but 2 or 3 of the boys. Ping Pong is a lot better for my back and legs ..Singles tennis, especially, can really do a number on your body .stretching is essential. My tennis friend said he would recommend me to a group of guys who play more at my level .But he warned me . They are an insular group, adn if you don’t do well the first time you play them, they won’t invite you back. Talk about pressure! Now I know how Andy Murray felt!If I play poorly, I’m in tennis limbo at least until next spring when the local tournament roles around .Wish me luck!
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A Roth IRA is a retirement account, whereas a Roth 401K/403b/457/TSP is a company retirement plan. Unlike a Roth 401K/403b/457/TSP, a Roth IRA can be used as a college account for your children, as a down payment account for your home purchase, as an emergency account for your family, or as a retirement account.
You made many good points, Katherine. Both accounts are designed to provide the individual an opportunity to save and invest for their retirement needs. In 2013, the Roth 401K has contribution limits of $17,500 and the Roth IRA has contribution limits of $5,500. Add $5,500 and $1,000 to those totals if you are 50 or older.
Just as Katherine stated, the Roth IRA also can be used for many other reasons than just retirement. Understand the rules clearly before selecting one or more of the exceptions. Both types of accounts should be used to grow your money over time without taxation. You win in the year you earn your dividends and capital gains and you will win when you finally pull it out as ALL of the money will be tax-free (understand the 5 year rule before accessing earnings).
Finally, the Roth 401K is found at the workplace while the Roth IRA must be started by the individual outside the workplace at another location like a bank, credit union, or investment company like Vanguard (my recommended choice). Get started TODAY!
to myself Better bulcke down Close game .I lost it .3-0 .I got to 3-1, but he won the next two game, adn he EARNED them ..tremendous play .AND movement .he was figuring me out! Down 5-1, I took the next three games. But he hit the line on every serve in the next game and had me set point he hit me a jamming serve, which I mishit .It bounced twice on the net and dropped over ..From there I won in a tiebreak ..playing one key point where I brought him in and lobbed him FOUR times, and he STILL one the point .but I think I got to his legs on that one, and it cost him the next couple of points ..I’m glad it didn’t get to go to a third set .he seemed a lot fitter than me. Playing a lot less tennis, I have been surviving on ping pong. What a great game .The local University has a tremendous ping pong club that is open to the public ..ON a Thursday night at ten PM, it was forty college kids and 57 year old yours truly hacking it out I could beat most of the hackers, but some of the kids from the team are superb, playing in a stle like the Olympic champs .a couple of young ladies from China were better than all but 2 or 3 of the boys. Ping Pong is a lot better for my back and legs ..Singles tennis, especially, can really do a number on your body .stretching is essential. My tennis friend said he would recommend me to a group of guys who play more at my level .But he warned me . They are an insular group, adn if you don’t do well the first time you play them, they won’t invite you back. Talk about pressure! Now I know how Andy Murray felt!If I play poorly, I’m in tennis limbo at least until next spring when the local tournament roles around .Wish me luck!
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