IRA resources and education: Learn about IRAs

Individual Retirement Accounts (IRAs) are an important part of an overall investment strategy, providing tax benefits for both individuals and small business owners.

And just as there isn’t a one-size-fits-all way to retire, there isn’t a universal retirement savings strategy. Your needs will depend on your lifestyle, obligations and goals. Learn more about the wide array of IRAs available to meet your unique retirement savings needs.

IRA resources: The basics

 


Your money goes further when you leverage tax-advantaged accounts. IRAs can help maximize immediate and future tax savings and provide a source of income during retirement.

Types of IRA accounts

An individual retirement account (IRA) can be a key element of a retirement plan, but the first step is to determine which type or types of IRA accounts fit your situation.

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IRAs simplified

An at-a-glance guide to individual retirement accounts.

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4 benefits of an IRA

Look beyond your 401(k) or pension to maximize the power of your retirement savings.

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How to rollover your 401(k)

What can you do with a 401(k) after you leave a job? We outline four options.

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IRA vs. 401(k): What’s the difference?

Should you save for retirement with a 401(k) or IRA? The answer might be “both.”

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The role of IRAs in your investment strategy

 


With earnings that are either tax-deferred or tax-free, IRAs can play an essential role in a comprehensive retirement plan. Knowing your options can help you determine your course of action.

Roth IRA benefits: Roth IRA vs. traditional IRA accounts

Unlike a traditional IRA, a Roth IRA allows you to contribute after-tax dollars now and withdraw contributions tax-free in retirement. Get more details on Roth IRA contribution limits, Roth IRA income limits and Roth conversions.

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A guide to tax diversification and investing

We outline a variety of investment accounts with different tax treatments that can help you lower your taxes now and into retirement.

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When to consolidate your retirement accounts

The more accounts you have, the easier it is to lose track of them. These four steps can help you get control of your retirement savings.

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Contributing to your IRA

 


Get the maximum tax benefit possible for your investment by leveraging the different types of accounts available to help achieve your financial goals.

Investing through workplace savings plans

How to make your money work for you by taking advantage of employer-sponsored retirement plans.

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Taking advantage of catch-up contributions

If you’re 50 or older, learn how to take advantage of catch-up contributions and allocate more money to your 401(k) or IRA annually.

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IRA distributions

 


When it’s time to make a withdrawal from an IRA, you’ll want to make sure you’re following the rules. Take steps to maximize your tax savings and avoid penalties.

RMD rules: What is a required minimum distribution?

If you have an IRA or have contributed to an employer-sponsored retirement plan, it’s vital to know the rules around RMDs, including deadlines and how to calculate required minimum distributions.

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What to do with an inherited IRA

If you’re a beneficiary of someone’s IRA, your inheritance will come with options and requirements.

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Using your IRA to make a difference

It’s possible to enhance your giving and save on your tax bill. Qualified charitable distributions and gifts of appreciated stocks offer prime opportunities.

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Planning your retirement: next steps

 


Whether you’re just dreaming about retirement or you’re already enjoying it, you need a savings strategy that adjusts as your life evolves. Putting a secure financial plan in place can help you make the most of this stage of your life. Whether you’re ready to create or update your IRA strategy, the links below are a great place to start.