Can You Contribute To A Roth IRA After Retiring?

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Because the Roth IRA is such a popular option for growing retirement assets, some people look to open a Roth as soon as possible and continue making contributions for as long as they can, perhaps even after reaching full retirement age (66 or 67, depending on your birth year). There are plenty of reasons to delay the start to your retirement, and adding more to your Roth IRA, along with other components of your savings portfolio, is one solid reason to remain in the workforce.

Even so, it’s actually possible to continue making contributions to your Roth IRA after launching your retirement, but some of the rules may ultimately feel a little difficult to make sense of. In truth, the governing principles are easy to follow; however, the ways in which they establish or preclude eligibility around retirement age can be a bit murky. Here’s how to continue contributing to a Roth IRA after retiring, why you might want to do so, and the features that could actually make this decision one to avoid.

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