What is a Roth IRA?
A Roth IRA is a powerful retirement savings account that allows your investments to grow tax-free. Contributions are made with after-tax dollars, so qualified withdrawals in retirement — including all earnings — are completely tax-free.
Key Features:
- •Tax-Free Growth: Your investments grow tax-free, and qualified withdrawals in retirement are not taxed.
- •After-Tax Contributions: You contribute money you've already paid taxes on, which means no upfront deduction but big tax savings later.
- •Wide Investment Choices: With Imagine IRA, invest in both traditional assets (stocks, bonds) and alternative assets (real estate, private equity, precious metals, and more).
- •No Required Minimum Distributions (RMDs): Unlike Traditional IRAs, Roth IRAs are not subject to RMDs during the account holder's lifetime.
- •Flexible Withdrawals: Contributions (not earnings) can be withdrawn at any time, tax- and penalty-free.
- •Income Limits Apply: Eligibility to contribute directly to a Roth IRA is based on your modified adjusted gross income (MAGI).
Who Should Consider a Roth IRA?
- •Individuals who expect to be in a higher tax bracket in retirement.
- •Younger savers with decades of tax-free compounding ahead.
- •Anyone seeking flexibility in withdrawals and estate planning.
- •Investors who want to diversify their retirement portfolio with alternative assets.
Why Choose Imagine IRA?
- •Access to a broad range of investment options, including alternative assets.
- •Secure, easy-to-use digital platform.
- •Transparent, flat-fee pricing.
- •Expert support and educational resources to help you make the most of your retirement savings.
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