Roth IRAs are a popular choice for retirement savings, especially for individuals who expect to be in a higher tax bracket in the future. One of the standout features of a Roth IRA is that contributions are made with after-tax dollars, meaning that when you withdraw funds in retirement, they are tax-free. This provides a distinct advantage over traditional IRAs, where contributions are tax-deductible but withdrawals are taxed.

But Roth IRAs come with certain rules and limitations, and not all features are shared with other types of retirement accounts. Understanding these differences can help you make informed decisions about how to save for retirement.

Which one of these features is NOT part of a Roth IRA’s structure? Let’s see how familiar you are with retirement savings!