Do I Have To Move Roth Ira At A Certain Age

A Roth IRA is  entirely useless if you  do not, invest the money in your Roth IRA.  Below, the  primary  area for financial education I’m going to go over three of  the most effective Roth IRA investments. Do i have to move Roth IRA at a certain age. Any type of one of these investments can as well as will certainly make you a tax-free millionaire.

Do I Have To Move Roth Ira At A Certain Age

I’m likewise going to make a recommendation on just how to choose which of these three techniques is finest for you. Similar to numerous points in life, there’s never ever one right solution. Due to the fact that the very best investment for you might not be the best financial investment for somebody else. Do i have to move Roth IRA at a certain age.

 I  desire you to be as  informed as possible so that you can be in full control of what  occurs to your money. 

 

 

 If all this  seems  excellent to you, we’re going to jump right in  because with the Roth IRA, you’ll  never ever have to pay taxes on your  financial investment gains. Do i have to move Roth IRA at a certain age.  It makes good sense to use your Roth IRA for high growth investments, because normally more earnings equates to more taxes, but not if those investments are inside your Roth IRA. Not only this, however the Roth IRA is a lasting car, so it likewise doesn’t make good sense to invest for Passive earnings in your Roth IRA. You can’t access or take out the money anyhow up until you turn 59 and a fifty percent.

 So  rather than focusing on  easy income in your Roth IRA, why not focus on growth?   So this  dismiss a lot of investments, for example, Bonds or Money, Market Investments like CDs and  short-term Treasuries,  as well as  absolutely not  cash money, because you  do not want to  throw away the tax shield of the Roth IRA on investments that return only one  or 2 percent or  absolutely nothing. 

 

Do I Have To Move Roth Ira At A Certain Age

Thinking you’re not around to retire next year, you desire development and also focused investments for your Roth IRA. Let’s talk concerning the three ways to invest in stocks, for your Roth IRA.

  1. 1. The first method to invest in your Roth IRA is to buy target-date funds
  2. The second method is to buy index funds.
  3. The third method is to buy individual stocks.

 Let’s go into each of these one by one. 

 Without a doubt the easiest  financial investment for your Roth IRA is  acquiring target date funds.  Time frame funds is a mutual fund  which contains three to  4  various index funds inside it.  Basically, it’s a fund of funds.

 Below’s a typical target date fund  as well as you’ll, usually see a  residential stock fund, a International stock fund, a bond fund and  typically a  percentage in a money market or  cash money fund. Do i have to move Roth IRA at a certain age.  To make sure that’s what a fund of funds resembles.

A 2055 fund is going to be  a lot more heavily  heavy towards  supplies. Do i have to move Roth IRA at a certain age.  Its called a 2025 fund, due to the fact that if you’re preparing to retire really quickly, you do not have the high-end of awaiting a healing in case of a stock market downturn. You’re going to have even more bonds, which gives you more stability as well as less in supplies.

Target-Date funds automatically pick a  mix of investments for you,  based upon your approximate age,  and after that it  adjusts that blend of investments. As you approach  old age, if  much more Americans  possessed target-date funds during the last  economic crisis, they  actually would have been  better off.

Do i have to move Roth IRA at a certain age.  I know it’s a sensitive topic, yet when you find out about individuals that shed fifty percent of their retirement in the 2008 stock market accident, most of them had too much of their portfolio in stocks, provided their age as well as or they either sold whatever and then completely missed out on the recuperation. S, ince it’s all age certain, the name of a target date fund is always going to have actually a year connected to it.

The Fidelity Freedom Index 2055 funds. Every target date fund has a target retired life year as component of the name, so discovering the appropriate one, for you is truly very easy.

 Ramit Sethi, a personal finance guru  and also best-selling author of “I will  educate you to be rich”, recommends  time frame funds for the  substantial  bulk of  individuals. He  speaks about  just how target-date funds are the  best set it  and also forget it investment  as well as they cost a lot less than  making use of a robo-advisor. Do i have to move Roth IRA at a certain age.  Yes, you can achieve greater returns with various other methods like the ones.I’m going to inform you concerning a little later on. These various other strategies all call for even more work and more initiative. You do not obtain higher returns, putting in much less effort. It’s like more job amounts to much more returns.

 That’s  normally how it works. That’s why target-date funds are the  sensible  selection for  most individuals.  Lots of people are  hectic  experts, they have families and all kinds of other things in their life going on  as well as they  do not  actually  intend to  handle their investments.  In that sense, target-date funds are a  piece of cake investment  choice for your Roth IRA.  

The second of Roth IRA investments I  intend to  speak about is Index Funds. Do i have to move Roth IRA at a certain age.  This strategy is really similar to Target Date Funds, except it’s far more DIY.

The  time frame fund  provides you a  total  efficiently  alloted portfolio in one  good  plan, but with index funds. Do i have to move Roth IRA at a certain age.  You generally would construct that on your own, so you have to pick an asset allocation, that’s right for you and for your age, and after that you require to locate index funds to develop that asset allocation.

You would also need to rebalance your portfolio once  the marketplace  relocates order to  keep those  percent asset  allotments, as well as  maintain your  retired life date or your  objective date in mind. And  adjust your portfolio  in the direction of a  much more conservative allocation  gradually.

 So it is a  little  a lot more work than a  time frame fund, because you’re essentially going to do yourself what the  time frame fund  would certainly  provide for you.  Do i have to move Roth IRA at a certain age.  The choice that benefits you if you want a little bit more control over your investments, a target date fund. For all you type-a, nerds as well as control freaks out there, you’ll most likely desire to do it.

This way, I  directly do index funds in one of my accounts  and also I don’t do  time frame funds,  since I  directly  intend to follow an asset allocation that isn’t  used by any target date funds. The asset allocation  design that I  adhere to is one recommended by David Swensen. He’s the  famous portfolio  supervisor of Yale’s, thirty billion dollar endowment fund.

I  discuss him a lot  and also he recommends  alloting percent in  residential stocks, 15 % in international  supplies, 10 % in  arising markets, 15 % in  United States Treasuries, 15 % in  United States inflation-protected Treasuries  and also 15 % in roths or  property  investment company.

So this is a portfolio made from six different index funds, however if you wish to maintain it straightforward, you can likewise simply copy the allocation of a time frame fund. If you look at the Fidelity 2055 fund that we talked around previously, you see that they have 60 % in domestic stocks. Do i have to move Roth IRA at a certain age.  They have regarding 30 percent in an International stock fund and also the remainder of it in bond as well as money market funds. You might simply copy that asset allocation as well as locate index funds to develop that, as well as simply do it on your very own.

Actually there’s thousands of different asset allowances you could pick from. There is no one right solution, yet you simply intend to recognize the pros and cons of each and then pick something. I selected David Swensen’s asset allocation since I such as that it doesn’t have way too many eggs in one basket. Do i have to move Roth IRA at a certain age.
 Simply put, there’s no single asset  course that  controls the portfolio there’s like at most 30 percent in the  residential  supplies,  however then everything else is 15 percent in  realty  and also 15 percent in bonds and 15 percent in  arising markets.

This means that, throughout  any type of economic cycle or  period periods of low  development, high growth,  reduced  rising cost of living, low  as well as high  rising cost of living, my portfolio is  placed to  profit,  and also yet it’s still  really growth focused  since most of it it’s  remains in stocks.

  So it’s  actually just a fancier  variation of the  common asset allocation of  many target date funds, for a  extra  comprehensive explanation on  just how to invest in index funds for your Roth IRA  make certain to download my Roth IRA  spending starter  set.  Do i have to move Roth IRA at a certain age.  It has detailed guidelines on various asset allotments to select from. The benefits and drawbacks of each allocation, which index funds to buy as well as how much of each index fund to buy. It’s really certain extensive. And it’s an legendary source that I’ve produced just for you and I know you’re mosting likely to love it.

 When you decide on an asset allocation,  after that step is to  locate  inexpensive index funds that fit those allocations.

The  secret is to  ensure that the  cost ratio of the index fund is under 0.2 %,  and also you can  also  locate a lot of index funds that are  a lot  less than that. If you’re thinking of doing index funds for your Roth IRA then  certainly download my Roth IRA  spending starter kit. It’s  one more  popular  choice that I did  particularly on Fidelity Index Funds.

The 3rd and also most innovative means to invest your Roth IRA is by buying individual stocks. At the heart of it, the entire idea when purchasing individual stocks is that you’re attempting to buy excellent business at a great priceYou don’t desire to buy poor business at a great price.

 It’s  additionally the most labor-intensive  means to  spend your Roth IRA. To  acquire for your Roth IRA, you would want to ask  on your own the  complying with questions: do I understand this  business  and also the  market it’s in. 

 

Do I Have To Move Roth Ira At A Certain Age

 Another  inquiry you  intend to ask yourself is: do you  desire? Do you trust the CEO and the management team to do the  best  point? You  additionally  intend to ask yourself: does this company have  excellent cash flow  currently  and also in the future, so that does  include  checking out the  monetary statements and  spotting  fads and patterns  and also  thinking of where the  sector’s headed in the future? You  likewise want to ask yourself: does this  business have  way too much  financial obligation, which is really something that would  endanger its ability to  endure any  kind of economic  slumps. A quick way to tell whether a company has  way too much  financial obligation  or otherwise, is to  consider a Ratio called the  financial debt to asset  proportion. 

 This  informs you  just how much a  business owes  about how much it owes.  Generally, you  intend to  buy  firms that  have twice as  long as it is the  a lot more it owes relative to what it owes the  much better. Do i have to move Roth IRA at a certain age.  This is just one of the metrics you might take a look at to see if a business has way too much financial debt. I chat more concerning financial obligation metrics in my Roth IRA Investing starter kit so definitely a duplicate.

 If you haven’t already,  an additional question you want to ask yourself is: can I buy this  supply at a reasonable price  as well as what’s reasonable is completely  loved one?  It’s all relative to how  lucrative the  business is, the  much more  successful a  firm is the more I’m willing to pay to  possess that  supply. On the  other hand, the less  successful that  business is the  much less I’m willing to pay to  have that  supply.

  So one  fast way to  inform if the  supply is trading on a  affordable  rate is to  consider what’s called the p/e  proportion or the price to  profits  proportion.  Do i have to move Roth IRA at a certain age.  The rate to profits ratio is a metric that contrasts the rate of the stock separated by its incomes per share and also the lower the p/e proportion, the less expensive the cost is about the profits. The greater the p/e ratio, the greater or a lot more expensive the stock cost is relative to its revenues. To put it simply, a low p/e ratio means more bang for the buck. Or you’re getting even more profits for every buck that you spend for that stock.

Again, my Roth IRA,  spending starter  set  supplies  thorough instructions on how to  locate a stock’s p/e ratio,  along with  exactly how to  utilize it to make good investing  choices.

 

Do I Have To Move Roth Ira At A Certain Age

 Now for some  referrals on  just how to  deal with  selecting which of these three Roth IRA  spending  techniques  would certainly be best for you.   Firstly, you want to be  practical about what you’re  really going to do.  There is nothing  even more useless than an  incredible investing  technique that you’re not going to  follow up with.  The third  choice of  selecting individual stocks  certainly it sounds  enjoyable  and also it can be  truly lucrative,  however 99 % of  individuals are just  chat  below.  They  do not have  the moment or the  readiness to put in that  type of work. 

It’s  type of like if you’re  attempting to  slim down  and also you  require to choose a  diet regimen  strategy that you would actually be able to do and the results  could not be as  hot or  quickly,  yet at least it’ll work.

Getting back to investing, you want to  choose the strategy that you’re actually  mosting likely to do  and also  in many cases,  simply  buying target-date funds, you’re going to end up really  truly  affluent. If you just do that consistently, if you’re a  careless  capitalist – and you  wish to  spend  the cash in your Roth IRA, with as little  initiative as possible – go with target-date funds. Do i have to move Roth IRA at a certain age.  If your eyes just polish over at the thought of managing your very own investments and also looking for index funds and also rebalancing your portfolio, then don’t compel on your own to do something that you don’t wish to do.

Life is  as well short for that, so lots of  individuals retire millionaires just doing target-date funds.  So I really  advise target-date funds for the  actual  sort of lazy, hands-off  capitalist. 

 For the  somewhat  extra DIY  capitalist I recommend index funds. It can be  truly  fulfilling to  discover different asset  allotments and to kind of study the  benefits and drawbacks of each  and afterwards to  make a decision  on your own what you  wish to do  and also which asset allocation aligns  one of the most with your  ideas  as well as priorities. I  believe it  actually  offers you a  feeling of empowerment and control over your  funds. Do i have to move Roth IRA at a certain age.  I like index funds too and also for the extremely DIY financier I suggest learning how to purchase individual stocks.

 Every one of you, type-a nerds  available,  discover some  bookkeeping terminology  as well as do a bit of research  and also number crunching. For  anybody  that takes the time to learn how to  analyze individual stocks, it can be  truly  satisfying.

These are the three actually amazing ways to invest your Roth IRA. Do i have to move Roth IRA at a certain age.

Do I Have To Move Roth Ira At A Certain Age

A Roth IRA is  totally useless if you don’t,  spend  the cash in your Roth IRA. Here, the  primary place for financial education I’m  mosting likely to go over three of  the most effective Roth IRA investments. Do i have to move Roth IRA at a certain age. Any kind of one of these investments can and will make you a tax-free millionaire.

Do I Have To Move Roth Ira At A Certain Age

I’m also going to make a suggestion on just how to make a decision which of these 3 approaches is ideal for you. Just like numerous things in life, there’s never one best solution. Due to the fact that the very best investment for you might not be the most effective financial investment for someone else. Do i have to move Roth IRA at a certain age.

 I want you to be as educated as possible so that you can be in full control of what  takes place to your money. 

 

 

 If all this  seems good to you, we’re going to  leap right in  because with the Roth IRA, you’ll never  need to pay taxes on your investment gains. Do i have to move Roth IRA at a certain age.  It makes sense to utilize your Roth IRA for high growth investments, since commonly even more profits amounts to even more taxes, yet not if those investments are inside your Roth IRA. Not just this, but the Roth IRA is a long-term automobile, so it additionally does not make good sense to spend for Passive earnings in your Roth IRA. You can not access or pull out the money anyhow till you turn 59 and a fifty percent.

  Rather of  concentrating on  easy income in your Roth IRA, why not focus on growth?   So this  dismiss a lot of investments, for example, Bonds or Money, Market Investments like CDs and  short-term Treasuries, and  absolutely not  money,  since you don’t want to  lose the tax shield of the Roth IRA on investments that return  just one  or more percent or  absolutely nothing. 

 

Do I Have To Move Roth Ira At A Certain Age

Assuming you’re not about to retire next year, you desire development and concentrated investments for your Roth IRA. Let’s speak regarding the 3 methods to spend in stocks, for your Roth IRA.

  1. 1. The initial method to invest in your Roth IRA is to buy target-date funds
  2. The second method is to get index funds.
  3. The third method is to get individual stocks.

 So let’s  enter into each of these one by one. 

 Without a doubt the  simplest investment for your Roth IRA is  getting target date funds. Target date funds is a mutual fund that contains  3 to  4 different index funds inside it.  Basically, it’s a fund of funds.

 Right here’s a  normal  time frame fund and you’ll, usually see a  residential stock fund, a International stock fund, a  mutual fund  as well as usually a small amount in a money market or  cash money fund. Do i have to move Roth IRA at a certain age.  To make sure that’s what a fund of funds resembles.

A 2055 fund is  mosting likely to be  much more heavily weighted  in the direction of  supplies. Do i have to move Roth IRA at a certain age.  Its called a 2025 fund, due to the fact that if you’re intending to retire truly quickly, you don’t have the deluxe of awaiting a recovery in case of a stock market downturn. So you’re mosting likely to have more bonds, which gives you more stability and less in supplies.

Target-Date funds  immediately  select a  mix of investments for you,  based upon your approximate age, and then it  adjusts that  mix of investments. As you  come close to retirement age, if more Americans  had target-date funds during the last recession, they really would have been much better off.

Do i have to move Roth IRA at a certain age.  I know it’s a sensitive topic, yet when you find out about people who shed fifty percent of their retired life in the 2008 stock market collision, a number of them had too much of their portfolio in stocks, given their age and also or they either offered every little thing and afterwards absolutely missed out on the recovery. S, ince it’s any age certain, the name of a time frame fund is constantly going to have a year affixed to it.

   As an example, the Fidelity Freedom Index 2055 funds.  This is the  proper  time frame fund for a  thirty years old who  would certainly retire sometime around the year 2050. Do i have to move Roth IRA at a certain age.  Every target date fund has a target retired life year as part of the name, so discovering the ideal one, for you is actually simple. Just find out in what years somebody your age would approximately retire and afterwards simply search for a time frame fund with that said year.

 Ramit Sethi, a personal  money  master  as well as  very popular author of “I  will certainly  instruct you to be rich”, recommends target date funds for the  substantial  bulk of people. He  speaks about  exactly how target-date funds are the  best  collection it  as well as forget it investment and they cost a lot less than using a robo-advisor. Do i have to move Roth IRA at a certain age.  Yes, you can accomplish greater returns with various other approaches like the ones.I’m going to inform you concerning a little later. These various other methods all require more work and also even more initiative. You don’t get higher returns, placing in less initiative. It’s like even more work amounts to much more returns.

 That’s why target-date funds are the logical choice for most  individuals. In that  feeling, target-date funds are a no-brainer  financial investment  alternative for your Roth IRA. 

The second of Roth IRA investments I want to talk about is Index Funds. Do i have to move Roth IRA at a certain age.  This approach is really comparable to Target Date Funds, except it’s a lot more DIY.

The target date fund gives you a  full optimally  alloted portfolio in one  wonderful  bundle,  however with index funds. Do i have to move Roth IRA at a certain age.  You essentially would develop that yourself, so you need to decide on an asset allocation, that’s right for you as well as for your age, and afterwards you require to find index funds to build that asset allocation.

You  would certainly  additionally  require to rebalance your portfolio once  the marketplace moves in order to  preserve those  portion asset  allotments,  along with keep your  retired life date or your  objective date in mind.  As well as  adjust your portfolio towards a more conservative allocation  in time.

 So it is a little bit  much more work than a  time frame fund, because you’re  basically going to do yourself what the target date fund would do for you.  Do i have to move Roth IRA at a certain age.  The choice that is good for you if you want a little bit even more control over your investments, a target date fund. For all you type-a, nerds and control freaks out there, you’ll probably want to do it.

This way, I personally do index funds in  among my accounts  as well as I don’t do target date funds,  since I personally  intend to  comply with an asset allocation that isn’t  supplied by any target date funds. The asset allocation model that I follow is one  advised by David Swensen. He’s the  famous portfolio manager of Yale’s, thirty billion dollar endowment fund.

I  discuss him a  great deal and he  advises  designating percent in domestic  supplies, 15 % in international stocks, 10 % in  arising markets, 15 % in US Treasuries, 15 % in US inflation-protected Treasuries  and also 15 % in roths or real estate  investment company.

So this is a portfolio made from 6 different index funds, yet if you wish to maintain it easy, you can likewise simply replicate the allocation of a time frame fund. If you look at the Fidelity 2055 fund that we talked around previously, you see that they have 60 % in domestic stocks. Do i have to move Roth IRA at a certain age.  They have regarding 30 percent in an International stock fund and also the remainder of it in bond and money market funds. You might simply copy that asset allocation and also discover index funds to create that, and also just do it on your own.

In fact there’s thousands of different asset allocations you can choose from. There is no one right solution, however you just wish to understand the pros and cons of each and afterwards select something. I selected David Swensen’s asset allocation since I like that it doesn’t have too many eggs in one basket. Do i have to move Roth IRA at a certain age.
 To put it simply, there’s no  solitary asset class that  controls the portfolio there’s like at most 30 percent in the  residential stocks,  however then everything else is 15 percent in  realty and 15 percent in bonds and 15 percent in emerging markets.

This means that, throughout  any kind of economic cycle or  period periods of low growth, high growth, low inflation, low and high inflation, my portfolio is positioned to benefit, and yet it’s still  extremely growth focused because  a lot of it it’s  remains in  supplies.

It’s truly just a fancier version of the common asset allocation of most target date funds, for a extra extensive description on how to spend in index funds for your Roth IRA make sure to download my Roth IRA spending starter set. The pros and also disadvantages of each allocation, which index funds to acquire and how much of each index fund to purchase.

Once you  pick an asset allocation, then step is to find  low-priced index funds that fit those allocations.

The  secret is to  see to it that the expense ratio of the index fund is under 0.2 %,  as well as you can  also  discover a lot of index funds that are much  less than that. If you’re  thinking about doing index funds for your Roth IRA  after that definitely download my Roth IRA investing starter kit. It’s  one more  incredibly popular option that I did specifically on Fidelity Index Funds.

The 3rd as well as most advanced method to invest your Roth IRA is by getting individual stocks. At the heart of it, the entire suggestion when getting individual stocks is that you’re attempting to buy excellent companies at a great priceYou do not want to purchase poor companies at a excellent price.

  It’s  additionally the most labor-intensive way to  spend your Roth IRA.  There’s a bit of a  knowing curve  and also it requires you to kind of  discover how to read financial  declarations  and also  research on  private  business when you’re  checking out individual stocks. To  purchase for your Roth IRA, you  would certainly  intend to ask yourself the following questions: do I understand this company  as well as the  sector it’s in. Do I  comprehend  exactly how this  business  generates income  as well as do I  also  recognize what this  firm’s  service model is  as well as what it  considers it to be successful. 

 

Do I Have To Move Roth Ira At A Certain Age

  One more  concern you  intend to ask yourself is: do you want? Do you trust the CEO and the  monitoring  group to do the  ideal thing? You  likewise want to ask  on your own: does this  business have  excellent  capital now and in the future,  to make sure that does  include reading the financial statements  as well as  finding  fads  and also patterns and  considering where the  sector’s headed in the future? You  likewise  wish to ask yourself: does this company have  excessive debt, which is really something that  would certainly  jeopardize its  capacity to  make it through any  kind of  financial  slumps. A  fast  method to tell whether a  business has too much debt  or otherwise, is to  consider a Ratio called the debt to asset  proportion. 

 This tells you how much a  business owes relative to how much it owes. In general, you  wish to  buy  firms that  have twice as  long as it is the more it owes  about what it owes the better. Do i have to move Roth IRA at a certain age.  This is simply among the metrics you can check out to see if a company has too much financial debt. I chat much more about financial obligation metrics in my Roth IRA Investing starter package so most definitely a duplicate.

 If you  have not  currently,  an additional  inquiry you  desire to ask yourself is: can I  purchase this  supply at a  sensible  rate  as well as what’s  practical is completely  loved one?  It’s all relative to  just how  rewarding the  firm is, the more  successful a company is the more I’m  ready to pay to own that  supply. On the flip side, the less  rewarding that company is the less I’m willing to pay to  possess that stock.

One quick means to tell if the stock is trading on a reasonable cost is to look at what’s called the p/e proportion or the price to profits proportion. The rate to revenues ratio is a metric that contrasts the rate of the supply separated by its earnings per share and the reduced the p/e ratio, the less costly the price is relative to the revenues.

 Once again, my Roth IRA,  spending starter  set  gives  comprehensive  directions on how to find a  supply’s p/e ratio, as well as  exactly how to use it to make good investing decisions.

 

Do I Have To Move Roth Ira At A Certain Age

 Now for some  referrals on  just how to go  around  selecting which of these three Roth IRA  spending  methods  would certainly be best for you. The third option of picking individual stocks  clearly it  seems  enjoyable  as well as it can be  actually  financially rewarding, but 99 % of people are  simply  speak  right here. 

It’s  sort of like if you’re trying to lose weight  and also you  require to  select a diet plan that you would  really  have the ability to do  as well as the results  could not be as sexy or fast, but at least it’ll  function.

 Returning to  spending, you  wish to  select the strategy that you’re  really  mosting likely to do  as well as  in many cases,  simply  buying target-date funds, you’re  mosting likely to end up  actually  truly  well-off. If you  simply do that  continually, if you’re a lazy  capitalist – and you  wish to  spend the money in your Roth IRA, with as little effort as possible –  select target-date funds. Do i have to move Roth IRA at a certain age.  If your eyes simply glaze over at the idea of managing your own investments and also searching for index funds and also rebalancing your portfolio, then do not require yourself to do something that you don’t want to do.

Life is  as well short for that, so lots of people retire millionaires just doing target-date funds.  I  actually  suggest target-date funds for the  actual kind of  careless, hands-off  financier. 

For the somewhat extra DIY financier I suggest index funds. I like index funds as well as well as for the very DIY capitalist I suggest discovering how to invest in individual stocks.

All of you, type-a  geeks  available,  discover some  bookkeeping  terms  as well as do a bit of research and number crunching. For  any person who  puts in the time to  find out  exactly how to  examine individual stocks, it can be really  fulfilling.

These are the three really awesome ways to spend your Roth IRA. Do i have to move Roth IRA at a certain age.