2025 Is Over. But Your Opportunity to Make 2025 Investments Isn’t

Core Viewpoint - The opportunity to invest for the year 2025 remains available even in 2026, particularly through tax-advantaged accounts like traditional IRAs and Roth IRAs, which allow contributions until the tax filing deadline [2][3][4]. Group 1: Investment Opportunities - Contributions to traditional IRAs and Roth IRAs can be made until April 15, 2026, providing over 100 additional days for individuals to invest for 2025 [3][4]. - The contribution limit for IRAs in 2025 is set at $7,000, with an additional catch-up contribution of $1,000 allowed for individuals aged 50 and older, bringing the total to $8,000 [6][7]. - Investing in these accounts can yield significant tax savings, with a $7,000 contribution potentially saving up to $1,540 in taxes for individuals in the 22% tax bracket [6]. Group 2: Eligibility and Flexibility - Most individuals can contribute up to the specified limits unless their income exceeds certain thresholds, which may restrict their ability to invest in a Roth IRA or make deductible contributions to a traditional IRA [8]. - IRAs are flexible investment accounts that can be opened with any brokerage firm, allowing for a wide range of investment options [8].