Retirement Planning

Roth IRAs

With Roth IRAs, investors contribute after-tax dollars, and the IRS won't tax them as long as certain requirements are met—even when withdrawing assets in retirement years.

The biggest difference between Roth IRAs and Traditional IRAs is that Roth IRA contributions aren't deductible for tax purposes. But withdrawals at retirement are tax-free to the IRA accountholder or beneficiaries under certain conditions.

Best Suited for Individuals:

  • Who can benefit from withdrawal flexibility
  • Who can't deduct Traditional IRA contributions for income reasons or due to participation in an employer's retirement plan

Note: Even if you qualify for a tax-deductible contribution to a Traditional IRA, you may find the Roth IRA to be more advantageous because of tax-free earnings.

Tax Advantages

  • Tax-free growth potential within the IRA
  • Contributions to the IRA are not tax-deductible. Tax-free withdrawals of earnings if the individual meets certain qualifications


Any age, working, and income limits are met (non-working spouse also qualifies)


Maximum annual contribution of $5,500 per person ($6,500 if age 50 or older) or 100% of earnings, whichever is less, for 2016

  • To make a maximum contribution, the Modified Adjusted Gross Income limit is $117,000 for single filers, and $184,000 for joint filers in 2016*
  • Partial contributions for individuals whose Modified Adjusted Gross Income is between $117,000 and $132,000 (single) or $184,000 and $194,000 (joint) for 2016*

* The IRS may adjust these limits in the future.

An AB Roth IRA Provides:

  • Flexibility in choosing from a wide array of AB mutual funds, from fixed-income to equity as well as Wealth Strategies asset-allocation funds and Multi-Manager Select Retirement Funds.
  • Access to account and fund information online and on the phone.
  • Customer service representatives that are available Monday through Friday from 8:30 a.m. to 7:00 p.m. EST.

This material does not constitute, and should not be considered to be, legal or tax advice. The tax rules are complicated and their impact on a particular individual may differ depending on the individual's specific circumstances. Please consult with your legal or tax advisor regarding your specific situation.


Investors should consider the investment objectives, risks, charges and expenses of the Fund/Portfolio carefully before investing. For copies of our prospectus or summary prospectus, which contain this and other information, click here or contact your AB representative. Please read the prospectus and/or summary prospectus carefully before investing.

AB mutual funds may be offered only to persons in the United States and by way of a prospectus. This website should not be considered a solicitation or offering of any investment products or services to investors residing outside the United States.

AllianceBernstein Investments, Inc. (ABI) is the distributor of the AB family of mutual funds. ABI is a member of FINRA and is an affiliate of AllianceBernstein L.P., the manager of the funds.

Investment Products Offered:

Are Not FDIC Insured | May Lose Value | Are Not Bank Guaranteed

The [A/B] logo is a registered service mark of AllianceBernstein and AllianceBernstein® is a registered service mark used by permission of the owner, AllianceBernstein L.P.