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Roth IRA: The Huge Advantage Most Retirees Overlook

Roth IRAs give you tax-free income in retirement. But they also have another important advantage over traditional IRAs and 401(k)s.

In the following video, Dan Caplinger, The Motley Fool's director of investment planning, talks about this hidden advantage of Roth IRAs. Dan notes that traditional IRAs and 401(k) force you to take distributions when you turn 70 1/2, whether you need them or not. Roth IRAs, on the other hand, have no such requirement, allowing you to choose whenyouwant to take your retirement income. Moreover, Dan points out that many people use Roth IRAs as estate-planning tools, giving their heirs the ability to earn tax-free income during theirlifetimes as well. Dan concludes that a Roth IRA is a powerful tool that you should strongly consider for your retirement needs.

Make the most of your Roth IRA
Once you have a Roth in place, you'll need to find the best stocks you can to make the most of your opportunity. Your best investment strategy is to buy shares in solid businesses and keep them for the long term. In the special free report "3 Stocks That Will Help You Retire Rich," The Motley Fool shares investment ideas and strategies that could help you build wealth for years to come. Click here to grab your free copy today.

Read/Post Comments (4) | Recommend This Article (34)

Comments from our Foolish Readers

Help us keep this a respectfully Foolish area! This is a place for our readers to discuss, debate, and learn more about the Foolish investing topic you read about above. Help us keep it clean and safe. If you believe a comment is abusive or otherwise violates our Fool's Rules, please report it via the Report this Comment Report this Comment icon found on every comment.

  • Report this Comment On February 23, 2014, at 9:00 AM, wolf1950 wrote:

    Please do away with these less than useful videos. Just post an article about the matter and let people read it. That way we don't have to sift through all fo the garbage that is just there to fuel the commentaror's ego.

  • Report this Comment On February 23, 2014, at 11:19 PM, Justlearning210 wrote:

    Too funny - I though it was just me, but I agree with Wolf1950's comments 100%. It's because of these videos that I removed The MotleyFool from my list of things to read, and for some reason, this commentator rubs me the wrong way with his videos.

    Not being disrespectful, but I think it would help the readership. I enjoy the reading material, but not the videos (all of which seem to be from this commentator).


  • Report this Comment On February 24, 2014, at 12:07 AM, mike5196 wrote:

    That makes three of us. I think the Fool has gone video to attract the illiterate.

  • Report this Comment On February 24, 2014, at 9:47 PM, kankemike wrote:

    I hate the videos much prefer reading

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Dan Caplinger

Dan Caplinger has been a contract writer for the Motley Fool since 2006. As the Fool's Director of Investment Planning, Dan oversees much of the personal-finance and investment-planning content published daily on With a background as an estate-planning attorney and independent financial consultant, Dan's articles are based on more than 20 years of experience from all angles of the financial world.

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