What is a Roth IRA?

RetirementWarren TeamPublished April 25, 2026

Quick answer

A Roth IRA is an individual retirement account funded with after-tax money. There's no upfront deduction, but qualified withdrawals (after age 59½ and 5-year holding period) are completely tax-free.

Roth IRA tax flow: pay tax now, tax-free later.

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