An individual,age 40,who is not subject to the phase-out provision may contribute a nondeductible amount to a Roth IRA up to $5,500 per year in 2016.

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The statement is true. As of 2016, individuals who are not subject to the phase-out provision may contribute up to $5,500 in after-tax dollars to a Roth IRA. However, individuals over the age of 50 are eligible for catch-up contributions of up to $1,000, making their total contribution limit $6,500.

An Individual,age 40,who Is Not Subject to the Phase-Out Provision