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Roth IRA

Offered by PNC Investments

If you’ve earned income below a certain threshold – $153,000 (filing single) or $228,000 (filing joint) for 2023 – 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 Your contributions and any accumulated earnings can be withdrawn tax-free at retirement.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Contributions can be withdrawn at any time without penalty, and there are no lifetime RMDs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


Features & 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  • Contributions can be withdrawn at any time without penalty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 & Withdrawals

Associated Products & Solutions

The following information may be provided by PNC Investments affiliates, including PNC Bank, PNC Private Bank or PNC Institutional Asset Management®:

Capital Directions®

Capital Directions, a unified managed account program, was designed for clients who prefer to consolidate and manage investments in an efficient, single account structure.

Learn More »

Traditional IRAs

With a Traditional IRA, you can benefit from possible tax-deductible contributions and earnings that accumulate tax-deferred.

Learn More »

PNC Directions®

PNC Directions is a mutual fund and exchange traded fund (ETF) advisory program designed for investors taking those first steps toward achieving their financial goals. This account makes the process of investing easy and accessible by utilizing mutual funds and ETFs managed by our affiliates and other non-affiliates.

Learn More »

How PNC Investments Does Business

Learn how PNC Investments does business, including our qualifications, business practices, fee schedules, and options for how you can work with us by reviewing our Client Relationship Summary, Overview of Products and Services and more. View Details »

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