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North Korea fires long-range rocket
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China’s forex reserves poised for another record drop
China's foreign-currency reserves drop $99 bln
Will China soon burn through its reserves?

7 cruises for people who hate cruises
7 cruises for people who hate cruises



3 mistakes to avoid in your first 3 years of retirement
3 mistakes to avoid in your first 3 years of retirement

How to retire early and still avoid 10% penalty
Worst money mistakes at any age
Know 4 important retirement account changes

Investors dump stocks, scoop up bonds for 5th straight week
Investors again dump stocks, scoop up bonds
FANG stocks take big bite out of Nasdaq

20 dividend stocks that Wall Street loves the most
The 20 dividend stocks that Wall Street loves most
Dividend stocks that will give you a raise

All the bad things Hillary Clinton
has done

Clinton to ‘look into’ paid-speech transcripts

National polls show Bernie Sanders nearly even with Hillary Clinton
National polls show Sanders nearly even with Clinton
Why do young voters like Sanders so much?
Is ‘Trump bubble’ bursting in New Hampshire?
Rubio, Cruz gain in N.H., WSJ/NBC poll finds

How even ‘cord cutters’ can watch the Super Bowl
Real-time win probability for the Super Bowl
Better odds here than Super Bowl Predictor
Super Bowl stock predictor has a streak going

Not watching the Super Bowl? Do this instead
Not watching the Super Bowl? Do this instead
It’s pretty hard to get a mortgage in 8 minutes
Super Bowl 50: Domestic-violence PSA
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Taste the whiskey that Peyton Manning won’t try
10 Super Bowl beers that aren’t Bud Light

Twitter said to plan algorithm for timeline

Twitter suspends 125,000 terrorist accounts

John Bogle dismisses index-fund 'danger'
John Bogle dismisses index-fund 'danger'

Wanted at Vanguard: A CFO
Wanted at Vanguard: A CFO



How to know if your tax preparer is a crook
How to know if your tax preparer is a crook

Tax software firm warns of data breach

Bad buybacks and nine other money stories you may have missed
Bad buybacks and 9 other must-read stories
Only place left to invest if ‘Oilmageddon’ hits

Four reasons the January jobs report is fishy
Why the Fed is likely to stay put in March

Chicken-little investors, please read jobs report

Barron's: Here comes $20 oil
Here comes oil for just $20 a barrel


Morgan Stanley gives up on higher oil prices

Bank stocks have taken enough punishment, UBS analyst says
Bank stocks have taken enough punishment, analyst says

The best biotech plays once sector stabilizes

Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3, Model X in focus

/conga/frontpage.html 367265

Markets »

139.01MDow Volume:
Avg Vol: 128.61M
Unchanged
165
Decliners
4918
Advancers
1419
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,205 -212 1.29%
Nasdaq
/quotes/zigman/12633936/realtime 4,363 -146 3.25%
S&P 500
/quotes/zigman/3870025/realtime 1,880 -35 1.85%
GlobalDow
/quotes/zigman/629063/realtime 2,139 -24 1.12%
Gold
/quotes/zigman/33772884/delayed 1,174 +17 1.43%
Oil
/quotes/zigman/2260836/delayed 31.00 -0.72 2.27%
FTSE 100
/quotes/zigman/3173262/delayed 5,848 -51 0.86%
DAX
/quotes/zigman/2380246/delayed 9,286 -107 1.14%
CAC 40
/quotes/zigman/3173214/delayed 4,201 -28 0.66%
FTSE MIB
/quotes/zigman/1482176/delayed 17,250 -376 2.13%
IBEX 35
/quotes/zigman/2759620/delayed 8,500 +31 0.37%
Stoxx 600
/quotes/zigman/2380150/delayed 326 -3 0.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,510 +7 0.29%
Nikkei 225
/quotes/zigman/5986735/delayed 16,820 -225 1.32%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,617 +279 1.14%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 -0.01 0.47%
Yen
/quotes/zigman/16008150/realtime/sampled 116.87 +0.09 0.08%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 -0.01 0.60%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 -0.01 1.83%
DXY Index
/quotes/zigman/1652083/delayed 96.96 +0.41 0.42%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.81 +0.50 0.56%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.83 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.30 -0.01 2.16%
Italy 10yr
/quotes/zigman/15866497/realtime 1.56 +0.05 3.14%
Spain 10yr
/quotes/zigman/15866444/realtime 1.65 +0.03 1.72%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.56 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.03 -0.03 51.16%
Crude Oil
/quotes/zigman/2260836/delayed 31 -1 2.27%
Gold
/quotes/zigman/33772884/delayed 1,174 +17 1.43%
Corn
/quotes/zigman/25518691/delayed 366 -3 0.81%
DJIA F
/quotes/zigman/48241424/delayed 16,118 -210 1.29%
S&P F
/quotes/zigman/43106711/delayed 1,874 -34 1.78%
Silver
/quotes/zigman/32655632/delayed 15 +0 1.21%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 104.07 -6.42 -5.81%
AAPL /quotes/zigman/68270/composite 94.02 -2.58 -2.67%
GOOG /quotes/zigman/59527964/composite 683.57 -24.44 -3.45%
BAC /quotes/zigman/190927/composite 12.95 -0.30 -2.26%
C /quotes/zigman/5065548/composite 39.86 -0.93 -2.28%
F /quotes/zigman/264304/composite 11.45 -0.08 -0.69%
T /quotes/zigman/398198/composite 36.88 0.35 0.96%
BP /quotes/zigman/247026/composite 30.46 -0.15 -0.49%
GE /quotes/zigman/227468/composite 28.54 -0.64 -2.19%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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SmartMoney Blogs

The Tax Blog
The latest news, insights and tips about taxes

Still Time to Save on Taxes With IRA

It’s crunch time, but you may still be able to cut down your tax bill by making a last-minute deductible contribution to a Traditional Individual Retirement Account.

Getty Images

“You have until the [April 18] tax deadline to actually make the 2010 contribution,” says Maria Bruno, an analyst in Vanguard’s Investment Strategy Group. (You can file your return before a contribution is made but the contribution must generally be made by April 18).

Here’s how it works: Investors under the age of 50 can contribute up to $5,000 to a qualifying IRA account. That limit gets bumped up to $6,000 if you’re 50 or older. In order for the full IRA contribution to be tax-deductible, you must either not participate in a retirement plan with your employer. If you do participate in an employer plan, you must make less than $56,000 as a single filer or less than $90,000 as a married couple filing jointly to qualify for the full deduction. Married couples who make less than $110,000 and single filers who make less than $66,000 can qualify for partial deductions.

Just how much can you save? It depends on your tax bracket. Take someone in the 25% tax bracket who makes the maximum $5,000 contribution. He or she could get a tax deduction of about $1,250. “So you’re reducing your taxable income by that much,” says Bruno, and added that you may be able to double that deduction by making a contribution for your spouse.

Don’t qualify for the deduction? There are a few longer-term tax savings strategies within reach. You can still start contributing to a Traditional IRA and benefit from tax-exempt earnings growth.

Or you can consider putting the money into a Roth IRA. While your contributions are taxed, you do get the benefit of withdrawing tax-free income in retirement. You can contribute up to $5,000 directly to a Roth IRA, but that amount is phased out for married couples who earn between $169,000 and $179,000 and for single filers earning between $107,000 and $122,000.

Even if you make too much to contribute to a Roth IRA directly, you can use a maneuver called a back door Roth IRA contribution. This involves making a non-deductible contribution to a Traditional IRA and then immediately converting the funds to a Roth IRA. But you may have to pay taxes if you already have other IRA savings.

And if you’ve already filed your taxes or don’t want to rush your decision, “you can start funding the accounts for next year as well,” says Christine Benz, director of personal finance for Morningstar.

Readers, are you making an IRA contribution this year? What other last-minute strategies are you considering?

Comments

We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (3 of 3)

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    • We earned too much money to contribute to our Roth IRA this year. However, next year we will, in part because a large contribution to a chariety. I love giving appreciated assets to those who need funds. Sure helps on the tax side. Wish you would write something about this.

About The Tax Blog

  • The Tax Blog brings together a team of award-winning tax journalists from the Dow Jones network and around the web to examine the tax issues, changes and legislation that affect families, investors and small business owners. Our contributors include Tax Report columnist Laura Saunders (WSJ), Tax Guy columnist Bill Bischoff and senior reporter Jilian Mincer (SmartMoney.com), retirement-focused reporter Anne Tergesen (WSJ), wealth management writer Arden Dale (Dow Jones Newswires), TaxWatch columnist Eva Rosenberg and personal finance reporter Andrea Coombes (MarketWatch), and reporter Alyssa Abkowitz (SmartMoney). They’ll provide the latest news and insight, mine the tax code for tips and loopholes, and answer your questions about tricky tax situations. Contact the The Tax Blog with ideas, suggestions or tax questions at thetaxblog@dowjones.com.

MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert
need to know
North Korea fires long-range rocket
At least 15 dead in Taiwan earthquake
GoPro rallies on Microsoft licensing deal
When is China stock market closed for holiday?
What time is the Super Bowl?

China’s forex reserves poised for another record drop
China's foreign-currency reserves drop $99 bln
Will China soon burn through its reserves?

7 cruises for people who hate cruises
7 cruises for people who hate cruises



3 mistakes to avoid in your first 3 years of retirement
3 mistakes to avoid in your first 3 years of retirement

How to retire early and still avoid 10% penalty
Worst money mistakes at any age
Know 4 important retirement account changes

Investors dump stocks, scoop up bonds for 5th straight week
Investors again dump stocks, scoop up bonds
FANG stocks take big bite out of Nasdaq

20 dividend stocks that Wall Street loves the most
The 20 dividend stocks that Wall Street loves most
Dividend stocks that will give you a raise

All the bad things Hillary Clinton
has done

Clinton to ‘look into’ paid-speech transcripts

National polls show Bernie Sanders nearly even with Hillary Clinton
National polls show Sanders nearly even with Clinton
Why do young voters like Sanders so much?
Is ‘Trump bubble’ bursting in New Hampshire?
Rubio, Cruz gain in N.H., WSJ/NBC poll finds

How even ‘cord cutters’ can watch the Super Bowl
Real-time win probability for the Super Bowl
Better odds here than Super Bowl Predictor
Super Bowl stock predictor has a streak going

Not watching the Super Bowl? Do this instead
Not watching the Super Bowl? Do this instead
It’s pretty hard to get a mortgage in 8 minutes
Super Bowl 50: Domestic-violence PSA
Here’s the PayPal ad running on Super Bowl

Taste the whiskey that Peyton Manning won’t try
10 Super Bowl beers that aren’t Bud Light

Twitter said to plan algorithm for timeline

Twitter suspends 125,000 terrorist accounts

John Bogle dismisses index-fund 'danger'
John Bogle dismisses index-fund 'danger'

Wanted at Vanguard: A CFO
Wanted at Vanguard: A CFO



How to know if your tax preparer is a crook
How to know if your tax preparer is a crook

Tax software firm warns of data breach

Bad buybacks and nine other money stories you may have missed
Bad buybacks and 9 other must-read stories
Only place left to invest if ‘Oilmageddon’ hits

Four reasons the January jobs report is fishy
Why the Fed is likely to stay put in March

Chicken-little investors, please read jobs report

Barron's: Here comes $20 oil
Here comes oil for just $20 a barrel


Morgan Stanley gives up on higher oil prices

Bank stocks have taken enough punishment, UBS analyst says
Bank stocks have taken enough punishment, analyst says

The best biotech plays once sector stabilizes

Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3, Model X in focus

/conga/frontpage.html 367265

Markets »

139.01MDow Volume:
Avg Vol: 128.61M
Unchanged
165
Decliners
4918
Advancers
1419
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,205 -212 1.29%
Nasdaq
/quotes/zigman/12633936/realtime 4,363 -146 3.25%
S&P 500
/quotes/zigman/3870025/realtime 1,880 -35 1.85%
GlobalDow
/quotes/zigman/629063/realtime 2,139 -24 1.12%
Gold
/quotes/zigman/33772884/delayed 1,174 +17 1.43%
Oil
/quotes/zigman/2260836/delayed 31.00 -0.72 2.27%
FTSE 100
/quotes/zigman/3173262/delayed 5,848 -51 0.86%
DAX
/quotes/zigman/2380246/delayed 9,286 -107 1.14%
CAC 40
/quotes/zigman/3173214/delayed 4,201 -28 0.66%
FTSE MIB
/quotes/zigman/1482176/delayed 17,250 -376 2.13%
IBEX 35
/quotes/zigman/2759620/delayed 8,500 +31 0.37%
Stoxx 600
/quotes/zigman/2380150/delayed 326 -3 0.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,510 +7 0.29%
Nikkei 225
/quotes/zigman/5986735/delayed 16,820 -225 1.32%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,617 +279 1.14%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 -0.01 0.47%
Yen
/quotes/zigman/16008150/realtime/sampled 116.87 +0.09 0.08%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 -0.01 0.60%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 -0.01 1.83%
DXY Index
/quotes/zigman/1652083/delayed 96.96 +0.41 0.42%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.81 +0.50 0.56%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.83 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.30 -0.01 2.16%
Italy 10yr
/quotes/zigman/15866497/realtime 1.56 +0.05 3.14%
Spain 10yr
/quotes/zigman/15866444/realtime 1.65 +0.03 1.72%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.56 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.03 -0.03 51.16%
Crude Oil
/quotes/zigman/2260836/delayed 31 -1 2.27%
Gold
/quotes/zigman/33772884/delayed 1,174 +17 1.43%
Corn
/quotes/zigman/25518691/delayed 366 -3 0.81%
DJIA F
/quotes/zigman/48241424/delayed 16,118 -210 1.29%
S&P F
/quotes/zigman/43106711/delayed 1,874 -34 1.78%
Silver
/quotes/zigman/32655632/delayed 15 +0 1.21%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 104.07 -6.42 -5.81%
AAPL /quotes/zigman/68270/composite 94.02 -2.58 -2.67%
GOOG /quotes/zigman/59527964/composite 683.57 -24.44 -3.45%
BAC /quotes/zigman/190927/composite 12.95 -0.30 -2.26%
C /quotes/zigman/5065548/composite 39.86 -0.93 -2.28%
F /quotes/zigman/264304/composite 11.45 -0.08 -0.69%
T /quotes/zigman/398198/composite 36.88 0.35 0.96%
BP /quotes/zigman/247026/composite 30.46 -0.15 -0.49%
GE /quotes/zigman/227468/composite 28.54 -0.64 -2.19%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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MarketWatch Portfolio

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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

Top 3 from Barron's

Today's list of the most-viewed stories from Barron's. More »

  1. 1.
  2. 2.
  3. 3.

Visit Barrons.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/18928026/composite GDXJ+4.81%
  • /quotes/zigman/9021597/composite YELP-8.45%
  • /quotes/zigman/227758/composite GPC-1.42%
  • /quotes/zigman/102267/composite FOLD-6.41%
  • /quotes/zigman/82231/composite SGMO-5.19%
X
Powered by StockTwits
Link to MarketWatch's Slice.

As of July 2, 2013, the SmartMoney content you loved now lives on MarketWatch.

MarketWatch will continue to provide the same important news and information you rely on every day. And, as a MarketWatch user, you will be able to enjoy:

  • Personalized news and quote email alerts
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