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Quiz: What Do You Know About 401(K) and IRA Accounts?

How well do you understand the benefits?

AARP

En español

Published April 22, 2021

/ Updated January 10, 2022

10 Questions

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Quiz: What Do You Know About 401(K) and IRA Accounts?

[ {
 "question" : "True or false? If you take money out of a 401(k) or traditional IRA before the age of 59 1/2, you can be penalized for withdrawal.\n",
 "answers" : [ {
 "answer" : "True",
 "correctAnswer" : true
 }, {
 "answer" : "False",
 "correctAnswer" : false
 } ],
 "multiSelect" : false,
 "explanation" : "You have to pay a 10 percent penalty and income taxes on the amount you withdraw. However, you can avoid the penalty under certain exceptions.\n",
 "hint" : "",
 "hintLink" : "",
 "questionImgCaption" : "",
 "questionImgCredit" : ""
}, {
 "question" : "Sally is 55. What’s the maximum she can contribute to a 401(k) in 2021?\n",
 "answers" : [ {
 "answer" : "$26,000",
 "correctAnswer" : true
 }, {
 "answer" : "$19,500",
 "correctAnswer" : false
 }, {
 "answer" : "$14,000",
 "correctAnswer" : false
 }, {
 "answer" : "$7,000",
 "correctAnswer" : false
 } ],
 "multiSelect" : false,
 "explanation" : "Sally can contribute $26,000, which includes an extra $6,500 for those age 50 and older.\n",
 "hint" : "",
 "hintLink" : "",
 "questionImgCaption" : "",
 "questionImgCredit" : ""
}, {
 "question" : "At what age must you start withdrawing money from a Roth IRA?\n",
 "answers" : [ {
 "answer" : "65",
 "correctAnswer" : false
 }, {
 "answer" : "Never",
 "correctAnswer" : true
 }, {
 "answer" : "72",
 "correctAnswer" : false
 }, {
 "answer" : "85",
 "correctAnswer" : false
 } ],
 "multiSelect" : false,
 "explanation" : "There are no required minimum distributions for a Roth.\n",
 "hint" : "",
 "hintLink" : "",
 "questionImgCaption" : "",
 "questionImgCredit" : ""
}, {
 "question" : "When choosing investments in your retirement account such as stocks, bonds and mutual funds, what should you consider?\n",
 "answers" : [ {
 "answer" : "Your age",
 "correctAnswer" : false
 }, {
 "answer" : "Your expected retirement age",
 "correctAnswer" : false
 }, {
 "answer" : "Your risk tolerance relative to your savings goals",
 "correctAnswer" : false
 }, {
 "answer" : "All of the above",
 "correctAnswer" : true
 } ],
 "multiSelect" : false,
 "explanation" : "Generally, people will move their money into safer assets like bonds as they near retirement, but this may not always be the best decision if you started saving late.\n",
 "hint" : "",
 "hintLink" : "",
 "questionImgCaption" : "",
 "questionImgCredit" : ""
}, {
 "question" : "A 401(k) differs from a traditional IRA because:\n",
 "answers" : [ {
 "answer" : "A 401(k) is sponsored by an employer, who may offer matching contributions",
 "correctAnswer" : true
 }, {
 "answer" : "A traditional IRA does not have contribution limits",
 "correctAnswer" : false
 }, {
 "answer" : "You cannot choose your investments in a 401(k)",
 "correctAnswer" : false
 }, {
 "answer" : "All of the above",
 "correctAnswer" : false
 } ],
 "multiSelect" : false,
 "explanation" : "The main difference between 401(k)s and traditional IRAs is that 401(k)s are sponsored by your employer.\n",
 "hint" : "",
 "hintLink" : "",
 "questionImgCaption" : "",
 "questionImgCredit" : ""
}, {
 "question" : "Who created the Roth IRA?\n",
 "answers" : [ {
 "answer" : "William Roth",
 "correctAnswer" : true
 }, {
 "answer" : "David Lee Roth",
 "correctAnswer" : false
 }, {
 "answer" : "Philip Roth",
 "correctAnswer" : false
 }, {
 "answer" : "None of the above",
 "correctAnswer" : false
 } ],
 "multiSelect" : false,
 "explanation" : "The Roth IRA was part of the Taxpayer Relief Act of 1997 and named for Sen. William Roth of Delaware, its chief legislative sponsor.\n",
 "hint" : "",
 "hintLink" : "",
 "questionImgCaption" : "",
 "questionImgCredit" : ""
}, {
 "question" : "How much money do you need to start a Roth or traditional IRA?\n",
 "answers" : [ {
 "answer" : "$100",
 "correctAnswer" : false
 }, {
 "answer" : "$0",
 "correctAnswer" : true
 }, {
 "answer" : "$250",
 "correctAnswer" : false
 }, {
 "answer" : "$5",
 "correctAnswer" : false
 } ],
 "multiSelect" : false,
 "explanation" : "While some financial institutions insist on a minimum initial investment for a Roth IRA or a traditional IRA, there’s no legal minimum amount needed to start one.\n",
 "hint" : "",
 "hintLink" : "",
 "questionImgCaption" : "",
 "questionImgCredit" : ""
}, {
 "question" : "If you lose money in a 401(k) or a traditional IRA, how much of those losses can you deduct from your income taxes?\n",
 "answers" : [ {
 "answer" : "20 percent, provided you have sold the investment",
 "correctAnswer" : false
 }, {
 "answer" : "15 percent of any losses any year",
 "correctAnswer" : false
 }, {
 "answer" : "None",
 "correctAnswer" : true
 }, {
 "answer" : "100 percent of all losses each year",
 "correctAnswer" : false
 } ],
 "multiSelect" : false,
 "explanation" : "While your gains are sheltered from taxes as long as they are in your 401(k) or traditional IRA, you can’t deduct losses.\n",
 "hint" : "",
 "hintLink" : "",
 "questionImgCaption" : "",
 "questionImgCredit" : ""
}, {
 "question" : "How much can you borrow from an IRA?\n",
 "answers" : [ {
 "answer" : "Up to 50 percent of the account value",
 "correctAnswer" : false
 }, {
 "answer" : "You can’t borrow from it",
 "correctAnswer" : true
 }, {
 "answer" : "Up to 25 percent of account value",
 "correctAnswer" : false
 }, {
 "answer" : "Up to 75 percent of account value",
 "correctAnswer" : false
 } ],
 "multiSelect" : false,
 "explanation" : "Although some companies allow borrowing from 401(k) plans, you can’t borrow from a IRA — Roth or traditional.\n",
 "hint" : "",
 "hintLink" : "",
 "questionImgCaption" : "",
 "questionImgCredit" : ""
}, {
 "question" : "What is the maximum tax rate for a withdrawal from a Roth IRA?\n",
 "answers" : [ {
 "answer" : "37 percent",
 "correctAnswer" : false
 }, {
 "answer" : "20 percent",
 "correctAnswer" : false
 }, {
 "answer" : "18 percent",
 "correctAnswer" : false
 }, {
 "answer" : "None of the above",
 "correctAnswer" : true
 } ],
 "multiSelect" : false,
 "explanation" : "If you take a withdrawal from your Roth IRA after age 59 1/2 and you’ve had the account for five years, you pay no taxes when you withdraw money.\n",
 "hint" : "",
 "hintLink" : "",
 "questionImgCaption" : "",
 "questionImgCredit" : ""
} ]

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Some provider offers are subject to change and may have restrictions.\u003c/p\u003e\u003cp\u003e*Terms and conditions:\u0026nbsp;\u003c/p\u003e\u003cp\u003eTo qualify, you must book a “Flight Package Trip” (meaning, a trip which includes a flight and at least one of a hotel stay or rental car booked together) through the package booking option of the AARP Travel Center powered by Expedia (\u003cu\u003e\u003ca href\u003d\"http://www.expedia-aarp.com/\" title\u003d\"AARP Travel Center powered by Expedia\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/content/dam/content-fragments/aarp-org/en/dbr/offers/Travel/Flights-Vacation-Packages/aarp-travel-center-powered-by-expedia-vacation-packages/aarp-travel-center-powered-by-expedia-vacation-packages-disclosure.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\"\u003ehttps://www.expedia-aarp.com\u003c/a\u003e\u003c/u\u003e). One $50 Gift Card will be distributed per Flight Package Trip regardless of the number of passengers on such booking, and redemption information will be sent to the email address provided to the AARP Travel Center powered by Expedia when booking your Flight Package Trip. Canceled Flight Package Trips will be excluded. Gift Card will be delivered pursuant to the Redemption Instructions by Tango Card, Inc. You will receive your gift card within a week of your travel start date. You understand and agree that Expedia may share your contact information with Tango Card, Inc. solely for the purposes of enabling redemption of the $50 Gift Card. Additionally, Expedia and/or AARP reserves the right, in its sole discretion, to disqualify you, if it finds you to be acting in violation of the Terms \u0026amp; Conditions of\u0026nbsp;\u003cu\u003e\u003ca href\u003d\"http://www.expedia-aarp.com/\" title\u003d\"AARP Travel Center powered by Expedia\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/content/dam/content-fragments/aarp-org/en/dbr/offers/Travel/Flights-Vacation-Packages/aarp-travel-center-powered-by-expedia-vacation-packages/aarp-travel-center-powered-by-expedia-vacation-packages-disclosure.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\"\u003ehttps://www.expedia-aarp.com\u003c/a\u003e\u003c/u\u003e, this program, or in a fraudulent or deceptive manner. Expedia and/or AARP may cancel this promotion at any time for any reason.\u003c/p\u003e\u003cp\u003eReward Link is managed by Tango Card, Inc. Reward Links expire on the date stated on the Gift Card and are valid within the USA only. Reward Links are issued to Reward Recipient without charge for loyalty, award, or promotional purposes, and are not sold to consumers. Your Reward Link balance may be redeemed for national gift cards and can be accessed at any time by clicking the Reward Link URL. Gift Card can only be redeemed by the Reward Recipient; Gift Card cannot be transferred, sold or exchanged. All redemptions are final. Reward Link balances from different programs cannot be combined. No fees apply to Reward Link. Please treat like cash. 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MEMBERS ONLY

Shopping & Groceries

Walmart+

$20 off a Walmart+ annual membership

Learn More

See more Shopping & Groceries offers >

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Health & Wellness

AARP® Staying Sharp®

Activities, recipes, challenges and more with full access to AARP Staying Sharp®

Learn More

See more Health & Wellness offers >

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