Skip to Content
Special Report

Morningstar's Guide to IRAs

We coach investors on everything from choosing an IRA to investment-selection to managing IRAs as part of a retirement portfolio plan.

The volatility that shook the markets in late January and early February 2018 was a reminder to all investors about what they control and what they don't. Out of their control: the direction of interest rates, inflation, and the trajectories of the stock and bond markets. Within their control: savings rates, asset allocations, expenses, and tax treatment of their investments.

Making an IRA contribution helps bring together several of these "take control" elements into a single action. Boosting savings is one of the best ways to gain control in uncertain market environments; doing so in a tax-sheltered wrapper like an IRA, and selecting a low-cost investment to put inside of it, helps give the account's return potential a further boost. Investors can also use their new IRA contributions to help bring their portfolios' asset allocations in line with their targets: Nine years into the current bull market, many investors are light on bonds, so new IRA contributions might reasonably be directed into the asset class. (Punching your holdings into Morningstar's X-Ray tool is the best way to see how you stand.)

Morningstar's weeklong Guide to IRAs is designed to coach investors on every aspect of IRA investing: from the basics of choosing an IRA to the nitty-gritty of investment-selection to practical tips for managing IRAs as part of a broader retirement portfolio plan. Along the way, we'll help you chart a plan for conversions, rebalancing, sequencing withdrawals, incorporating IRAs in an estate plan, and much more.

We'll have a live, hourlong webcast for Premium Members on Thursday, March 1. During the event, Morningstar's top researchers will share their best core and noncore investment ideas for IRAs: mutual funds, ETFs, and individual stocks.

We hope you can visit us each day of our Guide to IRAs week, but in case you miss anything, you can find links to all of our coverage on this page. We'll update it every morning with each day's article and video reports.

Monday, Feb. 26: IRA Contributions, Nuts and Bolts
How to Get the Most Our of Your IRA Contributions
Backdoor Roth IRAs: What You Need to Know
10 IRA Contribution Mistakes to Avoid 
How to Decide Between a Roth or Traditional IRA  
Should You Make IRA Contributions After Age 65?  

Tuesday, Feb. 27: Conversions, Rollovers, and Recharacterizations
The Ins and Outs of IRA Conversions
How to Roll Over an Old 401(k)
The Do-Over for IRA Conversions is Done. Now What?
Are You in the Conversion Zone?
Don't Let Pro Rata Rules Trip Up Your Retirement Plan
IRA Recharacterizations: What You Can and Can't Do Now  

Wednesday, Feb 28: IRAs in Retirement
Where Do IRAs Fit in Your Retirement Distribution Plan?
How RMDs Can Upgrade Your Portfolio
When Is the Right Time to Take RMDs?
How Much Will My RMDs Be?
Pulling Money from Your Roth IRA? Read This First
A Better Way for Retirees to Give to Charity

Thursday, March 1
IRA Webcast for Premium Members
20 IRA Mistakes to Avoid

Friday, March 2: IRAs and Estate Planning
Do's and Don'ts for Leaving IRA Assets to Loved Ones
What Are Your Options for an Inherited IRA?
Who Should Inherit Your IRA?
Inherited an IRA? Don't Fall into the Tax Trap
How Best to Leave an IRA to Charity

Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data.

We’d like to share more about how we work and what drives our day-to-day business.

We sell different types of products and services to both investment professionals and individual investors. These products and services are usually sold through license agreements or subscriptions. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters.

How we use your information depends on the product and service that you use and your relationship with us. We may use it to:

  • Verify your identity, personalize the content you receive, or create and administer your account.
  • Provide specific products and services to you, such as portfolio management or data aggregation.
  • Develop and improve features of our offerings.
  • Gear advertisements and other marketing efforts towards your interests.

To learn more about how we handle and protect your data, visit our privacy center.

Maintaining independence and editorial freedom is essential to our mission of empowering investor success. We provide a platform for our authors to report on investments fairly, accurately, and from the investor’s point of view. We also respect individual opinions––they represent the unvarnished thinking of our people and exacting analysis of our research processes. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive.

To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research.

Read our editorial policy to learn more about our process.