Taxable Brokerage Account vs. Roth IRA vs. Traditional IRA

Three powerful ways to build wealth—each with different tax treatment, rules, and potential benefits.

Choosing where to invest your money can be just as important as deciding what to invest in.

The Know Your Money, BYGI Account Comparison Guide provides an easy-to-read, side-by-side comparison of three common investment account types:

Taxable Brokerage Account

Roth IRA

Traditional IRA

The visual comparison helps you understand important differences involving:

• What each account is
• Tax treatment
• Contributions
• Investment earnings
• Withdrawals
• Contribution limits
• Income limits
• Required Minimum Distributions (RMDs)
• Situations in which each account may be useful

You'll also see how these accounts can serve different purposes within a broader financial strategy—from flexible investing to tax-advantaged retirement investing.

Instead of simply asking "Which account is best?", learn how different accounts can potentially work together to support different financial goals.

Build knowledge before making investment decisions.

KNOW YOUR MONEY, BYGI.

Knowledge Builds Wealth. Practice Guarantees Success.

Educational purposes only. Tax and retirement-account rules can change. Verify current IRS rules and consider consulting a qualified tax or financial professional for decisions specific to your situation.