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Roth IRA

What is a Roth IRA?
A Roth IRA is an individual savings account in which your contributions are non-tax-deductible, earnings are tax-free, and qualified withdrawals are tax-free. This means that, although you don't receive a tax deduction now, you won't need to pay taxes on the earnings later.

Is a Roth IRA right for you?
Consider a TIAA-CREF Roth IRA if you:
  • Think you might be in a higher tax bracket during retirement
  • Would like to leave assets to your heirs
  • May want to retrieve your original contributions before retirement
  • Are age 70½ or older and want to continue investing in an IRA

Roth or Traditional. Which one is right for you?

What are the advantages of a Roth IRA?
  • Contributions are never tax-deductible, but qualified withdrawals are tax-free.
  • Allows your heirs the ability to make tax-free withdrawals upon your death if the account has been open for at least five years.

Visit the Learning Center to see Roth IRA contribution limits and withdrawal options.

Get started
Open a TIAA-CREF Roth IRA

The tax information contained herein is not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. It was written to support the promotion of the products and services addressed herein. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.

Roth IRA Annuity contract form series 1280.3 is issued by Teachers Insurance and Annuity Association (TIAA), New York, NY.

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