Your Money: Apr. 19, 1999

ROTH ALERT Taxpayers who converted from a traditional to a Roth IRA last year may need to switch back--and fast. Some people who shifted to the new, tax-free retirement accounts then had the good fortune to earn more than $100,000 in 1998--which means they don't qualify for a Roth. Now, if they don't reverse course and file an amended 1998 return by April 15, their account will be taxed, and they'll also possibly face a 10% penalty for early withdrawal.

FUND FEES ADD UP No matter how much cash Americans plow into mutual funds--$5.5 trillion at last count--most still can't get...

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