Roth Individual Retirement Accounts (IRAs) can provide significant and unique tax advantages. Savings grow tax free, and when you retire, you'll enjoy tax-free withdrawals.
Best if you
- Can afford to save for retirement with after-tax income
- Want your earnings to grow tax free
- Have concerns about your tax liability at retirement
- Earnings grow tax free
- Withdrawals at retirement are tax free Disclosure 1
- Distributions at retirement are not required
Not convinced yet?
Roth IRAs have unique features that you won't find in any other retirement plan.
Enjoy these additional benefits
Roth IRAs provide more flexibility than other traditional and employer-sponsored retirement plans.
- Take advantage of a wide variety of investment options.
- Keep your money in your Roth IRA as long as you like. Unlike a traditional IRA, there are no required distributions.
- Contribute up to $6,000 per year, or $7.000 if you're 50 or older. Disclosure 2 Visit the IRS website(opens in a new tab) for more information.
Whether your priorities include retirement, education, security, a life event, legacy planning—or all of these—BB&T Investments has solutions to help you reach your goals.
Keep tabs on your account
Use U by BB&T®, our customizable online and mobile banking experience, to monitor all your accounts.
- View your BB&T and non-BB&T accounts and balances together for a complete view of your finances
- Skip the phone call and schedule an appointment with your BB&T banker online
- Take control of your finances—see your net worth, get your credit score, evaluate your spending and set financial goals
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Not convinced that a Roth IRA is right for you?
A distribution from a Roth IRA is tax and penalty free if the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, death, disability, qualified first time home purchase.
Contribution limits may apply based on your Modified Adjusted Gross Income(opens in a new tab).
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Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and/or insurance (including annuities) are offered by Truist Investment Services, Inc. (d/b/a SunTrust Investment Services, Inc.) and P.J. Robb Variable Corp., which are SEC registered broker-dealers, members FINRA, SIPC, and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc. (d/b/a SunTrust Advisory Services, Inc.), GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly owned subsidiary of Truist Insurance Holdings, Inc.
"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; Truist Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; Truist Advisory Services, Inc., an SEC registered investment adviser which provides Investment Advisory services.
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Branch Banking and Trust Company is now Truist Bank. Learn more.
BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or SunTrust.com.