Saving for Retirement

 

What is the "sweet spot" for converting to a Roth IRA?

March 13, 2017
 
 

Vanguard leaders discuss Roth IRA conversion

What is a Roth IRA conversion? Why should I convert to a Roth? Is there a "best time" to convert? Vanguard retirement investment strategist Maria Bruno and Kahlilah Dowe, Certified Financial Planner™ professional with Vanguard Personal Advisor Services provide answers for these Roth frequently asked questions.

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Notes:

  • All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.
  • For more information about Vanguard funds, visit vanguard.com to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing.
  • This webcast is for educational purposes only. We recommend that you consult a tax or financial advisor about your individual situation.
  • Withdrawals from a Roth IRA are tax free if you are over age 59½ and have held the account for at least five years; withdrawals taken prior to age 59½ or five years may be subject to ordinary income tax or a 10% federal penalty tax, or both. (A separate five-year period applies for each conversion and begins on the first day of the year in which the conversion contribution is made).
  • Advice services are provided by Vanguard Advisers, Inc., a registered investment advisor.

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