About GuideStone Roth IRAs
What are some potential advantages of opening a Roth IRA?
- Contributions are allowed at any age. (See your maximum contribution limit.)
- Qualified distributions are tax-free.
- Participants over 50 have expanded contribution limits.
- No required withdrawals at age 70½.
- Assets can be invested in a wide variety of our funds.
- Assets can be invested in our award-winning funds, which are Christian-screened.
Who is eligible to contribute?
- Individuals with a "single" tax status and a Modified Adjusted Gross Income (MAGI) below $137,000 (max contribution amounts are reduced for a MAGI over $122,000).*
- Couples with a “married filing jointly” tax status and a Modified Adjusted Gross Income (MAGI) below $203,000 (max contribution amounts are reduced for a MAGI over $193,000).*
How much can I contribute to my Roth IRA?
- If you’re under 50, you can contribute up to $6,000 annually.*
- If you’re 50 or older, you can contribute up to $7,000 annually.*
What are the potential limitations on withdrawals?
A Roth IRA differs from a Traditional IRA in that you may withdraw your contributions at any time. However, to avoid penalties and taxes on the withdrawal of earnings, you must own the Roth IRA for at least five years and make a withdrawal for one of the following reasons:
- You are 59½ or older.
- First-time home purchase expenses to buy or build a first home for yourself, your parents, children or grandchildren ($10,000 lifetime maximum).
- Death or disability.
If the reasons above do not apply, you may avoid the 10% penalty, but taxes on earnings will apply if you withdraw funds for the following reasons:
- Higher education expenses for yourself or your immediate family members.
- Certain medical expenses.
- Withdrawals made in equal installments over the account holder’s life expectancy.
Open an account
You can also choose to view and print a Roth IRA application.
Income limits for Roth IRA conversions.
There are no Modified Adjusted Gross Income limitations on Roth IRA conversions. This means that many investors who were formerly ineligible to convert a tax-deferred account or Traditional IRA to a Roth IRA may be eligible. To do so, taxes must be paid on any deductible contributions and earnings (taxes must be paid for the tax year that the conversion took place). Contact GuideStone for more information if you’re interested in converting to a Roth IRA.
For answers to any other questions about opening a GuideStone IRA, we’re available to answer your calls at
1-888-GS-FUNDS (1-888-473-8637) between 7 a.m. and 6 p.m. CST Monday–Friday. You can also visit our help center or contact us at your convenience.
*Or your annual household income, whichever is less. Based on 2018 contribution limits.
All investing involves risk including the potential loss of principal. You should verify with your situation with your tax advisor.
You should carefully consider the investment objectives, risks, charges and expenses of the GuideStone Funds before investing. A prospectus with this and other information about the Funds may be obtained by calling 1-888-GS-FUNDS (1-888-473-8637) or downloading one. It should be read carefully before investing.
GuideStone Funds shares are distributed by Foreside Funds Distributors LLC, not an advisor affiliate. GuideStone Capital Management, LLC, an affiliate of GuideStone Financial Resources, provides investment advisory services for the funds.
Retail products are made available through GuideStone Financial Services, member FINRA.