How high earners can funnel money to a Roth IRA, the ‘gold standard’ of retirement accounts

Key Points

Investors with high incomes may not be able to contribute to a Roth or make deductible contributions to a traditional individual retirement account.
However, a strategy called the “backdoor Roth IRA” lets high earners access Roth accounts.
Investors would make a nondeductible contribution to a traditional IRA, and then convert those funds to a Roth account.

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