Roth IRA

Offered by PNC Investments

If you’ve earned income below a certain threshold – $131,000 (filing single) or $193,000 (filing joint) for 2015 – a Roth IRA may be appropriate for you. Your contributions and any accumulated earnings can be withdrawn tax-free at retirement.

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Key Features
Tax-free for Later

Earnings remain invested tax-free for retirement, and distributions are tax-free after 5 years and age 59½

Flexibility with Withdrawals

Contributions can be withdrawn at any time without penalty, and there are no lifetime RMDs

Plan for Growing Income Potential

May be more appropriate for those taxed at a lower rate now versus in retirement

Overview

Features and Benefits

  • Though contributions are made after-tax, earnings remain invested tax-free for retirement
  • Funds can be distributed tax-free in retirement; there is no tax on qualified distributions after age 59½, provided the account has been open for five years
  • Contributions can be withdrawn at any time without penalty
  • May be more appropriate for those with growing income potential (who may be taxed at a lower rate now versus in retirement)
  • Distributions may be passed on to beneficiaries tax-free
  • No lifetime RMDs (Required Minimum Distributions)
2 Ways to Manage Your IRA
Contributions and Withdrawals

Important Legal Disclosures and Information

This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.

Important Investor Information: Brokerage and insurance products are:

Not FDIC Insured • Not Bank Guaranteed • Not A Deposit
Not Insured By Any Federal Government Agency • May Lose Value

Securities products, brokerage services and managed account advisory services are provided by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency.

This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.

PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.

PNC Investments LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.