Roth IRA

American  

1. an individual retirement account in which investments are made with taxable dollars, but earnings are tax-free and withdrawals are tax-free after age 59 1/2.

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Etymology

Origin of Roth IRA

1997; after William V. Roth, Jr., senator from Delaware

Example Sentences

Also weigh the benefit of converting some assets in your regular IRA to a Roth IRA.

From Barron's • Apr. 25, 2026

“If you take the $6,000 deduction and you convert $6,000 to a Roth IRA in the same year, then it’s a wash.”

From Barron's • Apr. 25, 2026

If that $120,000 of income includes income from all sources and not just your job, your Modified Gross Income for 2025 is lower than $150,000 and you are eligible for a Roth IRA contribution.

From MarketWatch • Apr. 20, 2026

I’m considering waiting until I retire and then, during those lower-income years, converting some of my traditional IRA funds into a Roth IRA.

From MarketWatch • Apr. 20, 2026

Of the three options, I favor recharacterizing the contribution and getting that money in a Roth IRA.

From MarketWatch • Apr. 20, 2026