Retirement

  1. What is the penalty for withdrawing money from my Roth IRA?

    Learn what penalties are imposed when you withdraw money from your Roth IRA and under what conditions these penalties do ...
  2. Are qualified retirement plans protected from creditors?

    Learn how to protect your retirement assets from creditors. Certain provisions provide for exemption of retirement assets ...
  3. What are the disadvantages of commodities on a Roth IRA?

    Discover what kind of commodity-based investments are allowed in a Roth IRA and what disadvantages commodity investments ...
  4. What are the income limits for a Roth IRA in 2014?

    The allowable contribution for a Roth IRA depends on the income and the filing status of the taxpayer. Once eligibility is ...
  5. What are the main reasons to obtain a Registered Retirement Savings Plan (RRSP)?

    Learn about some of the major benefits of opening and contributing to a Registered Retirement Savings Plan throughout your ...
  6. What are the main differences between a Simplified Employee Pension (SEP) IRA and ...

    Learn about the main difference between a SEP IRA and a SIMPLE IRA to better understand the annual investing requirements ...
  7. What are the advantages of a Roth IRA?

    Contribute to your Roth IRA and gain the advantage of it free of taxes and penalties. Make approved early withdrawals to ...
  8. How do I invest my IRA in real estate?

    Investing real estate in an IRA is one way to fund an investment account. For investors who choose this route, certain rules ...
  9. How does a Registered Retirement Savings Plan (RRSP) loan work?

    Discover some of the most common and useful ways to take out a loan from your Registered Retirement Savings Plan without ...
  10. When can you withdraw your savings from a Registered Retirement Savings Plan (RRSP)?

    Learn the standard age for withdrawing savings from a Registered Retirement Savings Plan (RSSP) and what you can expect if ...
  11. How are Simplified Employee Pension (SEP) IRAs taxed?

    Understand the tax advantages of a Simplified Employee Pension IRA plan, and find out how both the employer and the employee ...
  12. Can I buy ETFs for my Roth IRA?

    Invest in exchange-traded funds within your Roth IRA to maximize diversification and gain access to specialized markets and ...
  13. Are Simple IRA taxes the same as traditional IRA taxes?

    Discover the tax difference between a SIMPLE IRA and a traditional IRA before you determine which retirement plan is the ...
  14. Why should I open an IRA?

    Understand the benefits of an IRA, how it enables you to increase retirement savings and how funds can be used before retirement ...
  15. Are Roth 401(k) plans matched by employers?

    Discover the difference between a Roth 401(k) and a traditional 401(k), and explore the role of an employer contribution ...
  16. What are the differences between a Registered Retirement Savings Plan (RRSP) and ...

    Learn about the key differences between RRSPs and TFSAs, including taxation, minimum and maximum age, allowed contribution ...
  17. What are the risks associated with a Roth IRA?

    Like every retirement option, Roth IRAs have several associated risks. Consider all the major disadvantages before choosing ...
  18. What are the main differences between a Registered Retirement Income Fund (RRIF) ...

    Learn about the advantages and differences of Registered Retirement Income Funds and life annuities. Explore two different ...
  19. When can I withdraw my IRA money?

    Managing an individual retirement account can be tricky. Find out when you can withdraw IRA money without incurring a 10 ...
  20. Is a Roth IRA a qualified retirement plan?

    Analyzes the eligibility of the Roth IRA as a qualified retirement plan and explores the differences between the Roth IRA, ...
  21. How do pay-as-you-go pension plans work?

    Learn what a pay-as-you-go pension plan is and how it is different from fully funded pension plans. Understand how public ...
  22. When is a Roth 401(k) better than a traditional 401(k)?

    Learn the difference between Roth IRA plans, traditional 401(k) plans and Roth 401(k) plans, and when a Roth 401(k) is better ...
  23. How does a Simplified Employee Pension (SEP) IRA work?

    Learn about a Simplified Employer Pension, or SEP, IRA and how it works, who participates and what advantages it has over ...
  24. Are contributions to Registered Pension Plans (RPPs) tax deductible?

    Contributing to a Registered Retirement Plan offers eligible employees a way to make tax-deductible contributions to a retirement ...
  25. What are the main differences between a Roth 401(k) and a Roth IRA?

    Learn the difference between a Roth 401(k) and Roth IRA. Each offers the benefit of many years of tax-free compounding, a ...
  26. How are Social Security benefits affected by your income?

    Understand the relationship between a worker's earned income and benefits he or she receives from Social Security in retirement, ...
  27. How do I roll over my Roth 401(k) into a Roth IRA or IRA?

    Rollover funds from a Roth 401(k) to a Roth IRA by ensuring your new account is ready and arranging for a direct transfer ...
  28. How can I use my Roth IRA savings to buy my first home?

    Use your Roth IRA to help fund the purchase of your first home, and find out about ways to access these funds even if you ...
  29. How is a Registered Retirement Income Fund (RRIF) taxed?

    Discover how the Government of Canada treats Registered Retirement Income Funds and how you can use them to limit income ...
  30. What is the tax rate of a Roth IRA if I withdraw it for the purchase of a house?

    Use your Roth IRA to fund the purchase of your first home, and learn how the distribution could qualify for a waiver of taxes ...
  31. How do I choose a Roth IRA provider?

    Learn about some of the most important factors to consider before choosing a Roth IRA provider for investing your retirement ...
  32. How do I roll over a spousal IRA?

    To roll over a spousal IRA, the surviving spouse can transfer the remaining funds from the deceased spouse's investing IRA ...
  33. Are annuities qualified or nonqualified retirement instruments?

    Learn the basics of annuity investments and the tax-deferral they offer, and discover the differences between qualified and ...
  34. What are the Roth 401(k) contribution limits?

    Understand the current contribution limits for designated Roth 401(k) accounts, including additional allowable payments for ...
  35. How does taxation on life insurance for a qualified retirement plan work?

    Purchase life insurance in your qualified retirement plan using pre-tax dollars. Be aware of other ways that life insurance ...
  36. What is the difference between a DB(k) plan and a defined benefit plan?

    Learn the differences between a traditional defined-benefit plan and the emerging DB(k) plan to see how employer-sponsored ...
  37. How can I convert a 401(k) into a Roth 401(k)?

    Investigate how to convert a 401(k) into a Roth 401(k) and compare the two different types of defined contribution pensions ...
  38. Are Simple IRA plans subject to ERISA?

    Learn how the Employee Retirement Investment Security Act, or ERISA, guides the administration of Savings Incentive Match ...
  39. What are the main differences between a Simplified Employee Pension (SEP) IRA and ...

    Discover the difference between a simplified employee pension IRA and a traditional IRA so that you can choose the best retirement ...
  40. Is a Thrift Savings Plan (TSP) a qualified retirement plan?

    Take advantage of the government's retirement plan for employees with the Thrift Savings Plan. As with a 401(k), contributions ...
  41. What are the main advantages of a self-directed IRA?

    Learn about the way self-directed IRAs are handled by investors and the variety of options investors have to fund their retirement ...
  42. How does a Simplified Employee Pension (SEP) plan work?

    Learn how small businesses and their employees benefit from a Simplified Employee Pension, or SEP, IRA, and discover how ...
  43. What are the differences between a Registered Retirement Savings Plan (RRSP) and ...

    Learn the key differences between RRSPs and RPPs. Review the basics of Registered Retirement Savings Plans and Registered ...
  44. What are the steps to applying for a Canada Pension Plan (CPP)?

    Learn how to apply for Canada Pension Plan, part of Canada's retirement income system. Also find out about available benefits ...
  45. How do I open an IRA?

    Opening a Roth or Traditional IRA online with a minimal deposit takes less than 15 minutes when starting an account with ...
  46. Do the limits of a Roth IRA change every year?

    Investment limits for a Roth IRA do not change annually, but have increased since the investment accounts were introduced ...
  47. Can I obtain a Simple IRA if I am self-employed?

    Investing for retirement when self-employed can be in a SIMPLE IRA, a SEP IRA or a 401(k) plan, depending on the scenario ...
  48. How do I report Simple IRA contributions on a W2?

    Learn how Savings Incentive Match for Employees, or SIMPLE IRA, contributions are reported for the participant on Form W2 ...
  49. What are the penalties for early withdrawal from a Registered Retirement Savings ...

    Learn about the three major penalties associated with making an early withdraw from your Registered Retirement Savings Plan ...
  50. What should you consider before taking a loan on your Registered Retirement Savings ...

    Learn about the primary factors you should consider before deciding to take out a loan from your Registered Retirement Savings ...
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