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  1. Oregon Saves
  2. Frequently Asked Questions
  3. Saver FAQs

Is there a minimum retirement age for OregonSaves?

There is no minimum retirement age associated with the program. There is a federal tax penalty for withdrawing any investment earnings from a Roth IRA before age 59½, unless it’s for a qualifying reason. For a Traditional IRA, there is a required minimum withdrawal when you reach age 72. Please consult with a tax expert or financial advisor.

Articles in this section

  • Where can I find information about investments, fees, risks, and other program details?
  • Where can I find a copy of the program rules?
  • I’m not eligible for the employer-sponsored retirement plan at my job. Can I join OregonSaves?
  • What about expense ratios and fees?
  • What do I need to set up my own account?
  • I’m self-employed. Can I set up my own OregonSaves account?
  • Am I eligible for the Saver's Credit from the IRS?
  • Can I make a tax-free rollover from a 529 (college savings) account to an OregonSaves account?
  • Are there income limits to participate in OregonSaves?
  • Do other states have programs like this?
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