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The Roth IRA is much like a Traditional IRA. The big difference is the tax treatment. Contributions to a Roth IRA are not tax deductible, but your investment earnings over the years can be tax-free.
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There is increased “portability” between retirement plans, allowing movement of money between Qualified Retirement Plans and Individual Retirement Accounts. Money can be moved from a Traditional IRA to a Roth IRA.
Unlike Traditional IRAs, there is no required minimum distribution at age 70½ . Your earnings can continue to grow until you need them.
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