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

How well do you understand the benefits?

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.",
  "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.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Sally is 55. What’s the maximum she can contribute to a 401(k) in 2021?",
  "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.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "At what age must you start withdrawing money from a Roth IRA?",
  "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.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "When choosing investments in your retirement account such as stocks, bonds and mutual funds, what should you consider?",
  "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.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "A 401(k) differs from a traditional IRA because:",
  "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.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Who created the Roth IRA?",
  "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.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "How much money do you need to start a Roth or traditional IRA?",
  "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.",
  "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?",
  "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.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "How much can you borrow from an IRA?",
  "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.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "What is the maximum tax rate for a withdrawal from a Roth IRA?",
  "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.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
} ]

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This is not a gift card. 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MEMBERS ONLY

Finances

AARP® Identity Theft Protection powered by Norton™

Up to 53% off comprehensive protection plans

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See more Finances offers >

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Health & Wellness

AARP Online Fitness powered by LIFT session

Customized workouts designed around your goals and schedule

learn more

See more Health & Wellness offers >

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

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

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

The Retirement Income Quiz You Can’t Afford to Fail

5 Things You Need to Know About Finances When Turning 65

AARP Retirement Calculator