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Retirement: This Holiday Season, Consider a Roth IRA

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As you make your Christmas gift budget for the kids, your spouse or your mail carrier (which, by the way, is legally limited to a cash value of no more than $20), consider giving yourself a Roth IRA.

If Google search volume is any indication, Christmastime begins high season to shop online for this unique individual retirement account. A NerdWallet analysis shows searches for “Roth IRA” peak into the new year, then crest again closer to April. Why? Government rules may play Scrooge with your postal worker, but the IRS allows Roth IRA contributions for the 2016 tax year until the tax filing deadline (April 18, 2017).

The year’s end is a natural time for those who already have a Roth IRA — and that describes more than 1 in 4 retirement...

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