A Roth IRA lets you invest after-tax money and withdraw tax-free in retirement. In 2026, contribution limit is $7,000 ($8,000 if 50+). Here are the best Roth IRA providers.
Why Roth IRA in 2026?
- Tax-free growth
- No RMDs (unlike traditional IRA)
- Withdraw contributions anytime
Top 5 Roth IRA Accounts (2026)
| Provider | Min. Deposit | Expense Ratio | Best For |
|---|---|---|---|
| Fidelity | $0 | 0% | Beginners |
| Vanguard | $1,000 | 0.03% | Index funds |
| Charles Schwab | $0 | 0% | Robo-advisor |
| Betterment | $0 | 0.25% | Auto-investing |
| Wealthfront | $500 | 0.25% | Tax-loss harvesting |
How to Open a Roth IRA
- Check income limits ($150K single, $240K joint)
- Choose provider
- Fund with bank transfer
- Invest in index funds
FAQ
Can I have Roth IRA and 401(k)?
Yes. Max both for $30,000+ tax-advantaged savings.
Open your Roth IRA → Finance Grow Easy
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