{"id":45806,"date":"2022-05-10T04:15:43","date_gmt":"2022-05-10T11:15:43","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=45806"},"modified":"2024-09-07T09:01:05","modified_gmt":"2024-09-07T16:01:05","slug":"7-big-reasons-why-a-roth-ira-isnt-the-best-way-to-save-for-retirement-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id45806-7-big-reasons-why-a-roth-ira-isnt-the-best-way-to-save-for-retirement-2.html","title":{"rendered":"7 Big Reasons Why a Roth IRA Isn’t the Best Way to Save for Retirement"},"content":{"rendered":"

\"\"<\/a>Are you trying to decide whether or not you should be building your retirement savings<\/a> with a Roth IRA?<\/p>\n

It’s true; using a Roth IRA has its advantages<\/a> — but there are also more than a few reasons that may make you think twice before getting one. Here are seven of them:<\/p>\n

There’s no income tax deduction<\/strong><\/p>\n

According to Hans Scheil, a certified financial planner and owner of Cardinal Retirement Planning, “The biggest drawback to a Roth IRA is the lack of a tax deduction. Then again, that isn’t so bad if you already have lots of other deductions, or a small amount of taxes.”<\/p>\n

Rules and restrictions still apply<\/strong><\/p>\n

Just as with a traditional IRA, a person must have earned income in order to make a contribution, and the same maximum contribution limits also apply. You can withdraw contributions<\/strong><\/em> you made to your Roth IRA anytime, tax- and penalty-free. But earnings<\/strong><\/em> that are pulled out before you’re older than 59.5 years old may be subject to taxes and\/or a 10% penalty – so you have to be careful and review all of the rules, restrictions, and exceptions before doing so.<\/p>\n

If you earn too much, you could be exempt from participating<\/strong><\/p>\n

Many people with six-figure incomes<\/a> can’t contribute to a Roth IRA. This year, that includes single folks who earn in excess of $144,000 and married folks filing jointly with a combined income in excess or $214,000.<\/p>\n

You’re limited on how much you can contribute<\/strong><\/p>\n

As of 2022, you can contribute $6000 annually to your Roth – and those who are 50 or older can contribute an extra $1000 per year.<\/p>\n

It’s not efficient when it comes to foreign dividends<\/strong><\/p>\n

Roth IRAs aren’t very efficient when it comes to foreign dividends.<\/p>\n

“Foreign companies usually deduct tax from the dividend before sending it to American shareholders to ensure that their own government gets the taxes due,” explains Lyn Alden, founder of Lyn Alden Investment Strategy. “Foreign governments, except for Canada, don’t care if you hold your stocks in a retirement account. So, if you have foreign stocks in a Roth, you end up paying foreign dividend taxes on what should have been tax-free investments.”<\/p>\n

She adds, “You also have to be careful about putting Master Limited Partnerships (MLPs) inside of a Roth IRA. If your MLPs generate more than $1000 worth of unrelated business taxable income, you’ll have to pay taxes on that income even though the investments are in your Roth.”<\/p>\n

The tax “advantage” is all in how you look at it<\/strong><\/p>\n

Roth IRAs are commonly touted as superior because they accumulate earnings tax-free. However, this is something of a misnomer, according to Rob Drury, executive director of the Association of Christian Financial Advisors.<\/p>\n

“Contrary to common belief, there is not necessarily a tax advantage in choosing a Roth IRA<\/a> over a traditional IRA,” he says. “Given identical tax rates during contribution and withdrawal phases, it’s a wash either way.”<\/p>\n

Self-employed people aren’t likely to benefit<\/strong><\/p>\n

Due to the income limits, Roth IRAs aren’t designed for self-employed people with very high incomes. In that scenario, a SEP IRA is often a better choice.<\/p>\n

The Bottom Line<\/strong><\/p>\n

It’s up to you to determine if you’re willing to risk losing tax deductions now, in order to save money in the future. However, no matter what you decide, the most important thing is that you’re saving<\/a> at all — which already puts you ahead in the game.<\/p>\n

Photo Credit: investmentzen<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Are you trying to decide whether or not you should be building your retirement savings with a Roth IRA? It’s true; using a Roth IRA has its advantages — but there are also more than a few reasons that may make you think twice before getting one. Here are seven of them: There’s no income […]<\/p>\n","protected":false},"author":55,"featured_media":45823,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[461,464],"tags":[],"class_list":{"0":"post-45806","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investing","8":"category-retirement","9":"pmpro-has-access","10":"entry"},"yoast_head":"\n7 Big Reasons Why a Roth IRA Isn't the Best Way to Save for Retirement<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id45806-7-big-reasons-why-a-roth-ira-isnt-the-best-way-to-save-for-retirement-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 Big Reasons Why a Roth IRA Isn't the Best Way to Save for Retirement\" \/>\n<meta property=\"og:description\" content=\"Are you trying to decide whether or not you should be building your retirement savings with a Roth IRA? 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