Roth vs. Traditional IRA: How to Choose in 2026
Roth or traditional? It looks like a two-button decision when you open an IRA. In reality, the choice is less
Practical guides to brokerage accounts, ETFs, index funds, retirement accounts, and investing decisions for newcomers and international investors using the U.S. financial system.
Roth or traditional? It looks like a two-button decision when you open an IRA. In reality, the choice is less
A Roth IRA is often described in one sentence: Pay taxes now, then withdraw the money tax-free in retirement. That
You have an F-1 or H-1B visa, a U.S. address, and perhaps $500 to start investing. Three apps promise accessible
Imagine two people who want to invest their first $200 in the United States. One has an F-1 student visa.
A 401(k) can look deceptively simple from the employee side. Your employer asks you to choose a contribution percentage, a
“Just buy the S&P 500” may be the most repeated sentence in beginner investing. It is also incomplete advice. The
“Index fund or ETF?” sounds like a straightforward either-or decision. Technically, it is the wrong question. An index fund describes
One hundred dollars is enough to start investing. But the useful question is not “What stock can I buy with
Imagine two new investors living in the United States. One has $2,000 and wants to automate monthly ETF investing. The
Starting to invest in the United States can feel harder than it needs to be. The difficult part is usually