Not All Retirement Accounts Should Be Tax-Deferred

Not All Retirement Accounts Should Be Tax-Deferred

Millions of Americans nationwide are socking away money in all forms of investment retirement accounts (IRAs), annuities and employer-sponsored retirement plans, both qualified and non-qualified. The tax deferral that these plans and accounts offer is hard to beat in many cases, and the Roth IRAs and Roth 401(k)s that are now available can be particularly effective in sheltering after-tax income. In this article, we'll explore when it may be better to leave your assets exposed to the tax man when you're saving for retirement.