Save the tax-smart way with a Roth IRA
A Roth IRA lets you invest for retirement today and withdraw tax-free later. If you make less than $139,000 ($206,000 if you file jointly), it could be the right tax-advantaged account to help you invest your savings.Get started
Make your Roth IRA a first step toward a retirement plan.
Funding an IRA is a smart move no matter how much (or little) you think about retirement. Once you have an IRA, we'll help you create a full retirement plan by projecting your future income needs and showing you how you can save.Open an account
Build your IRA savings without thinking about it.
The best way to save for the long term is to do it automatically. Set regular auto-deposits and our technology is designed to ensure you don't contribute beyond annual IRA limits.Get started
Sit back and relax because Roth IRAs are flexible.
Because you contribute to a Roth IRA on an after-tax basis, the federal government allows greater flexibility for making withdrawals before retirement.
Top Questions About Roth IRAs
When deciding whether to roll over a retirement account, you should carefully consider your personal situation and preferences. The information on this page is being provided for general informational purposes and is not intended to be an individualized recommendation that you take any particular action. Factors that you should consider in evaluating a potential rollover include: available investment options, fees and expenses, services, withdrawal penalties, protections from creditors and legal judgments, required minimum distributions, and treatment of employer stock. Before deciding to roll over, you should research the details of your current retirement account and consult tax and other advisors with any questions about your personal situation.
Betterment is not a tax advisor, nor should any information herein be considered tax advice. Please consult a qualified tax professional.