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.

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