Lear how a PutamIRA a help yousave for retiremet

Traditioal ad Roth

ow will you use your IRA savis?

The vast majority of Traditioal IRA owers plato make withdrawals to pay for livi epeses.

Investment Company Institute,

The Role of IRAs in U.S. Households’ Saving for Retirement,

2009.

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Choose the IRA that’s right for you:Traditional or Roth

Your IRA should t your life. For some, that may mean a tax-deferred TraditionalIRA. For others, a tax-free Roth IRA may make more sense. The big dierencebetween the two account types is when your investments get taxed: WithTraditional IRAs, you pay taxes when money is withdrawn; contributions to RothIRAs are made with money that has already been taxed.

Traditional IRA

Do you anticipate being in a lower incometax bracket in retirement?

I so, a Traditional IRA may be or you. The moneyyou contribute now is tax-deductible, whilewithdrawals in retirement are taxed as income.

Are you looking to reduce your taxable income?

I reducing your taxable income would put you ina lower income tax bracket, the tax-deductiblecontributions you make to a Traditional IRA canhelp you reduce your tax liability.

Roth IRA

Would you benet rom tax-ree incomein retirement?

I you already have money invested in a tax-deerredaccount — such as a 401(k) — and a taxable account — suchas a money market und at your local bank — a Roth IRAcould be a good ft or you. Investing in a Roth IRA canprovide you with a source o tax-ree income in retirement.

Is retirement still a way of or you?

I you have many years let until retirement, a Roth IRAmay be worth considering. The longer your account has thepotential to grow, the more you could stand to save on taxeswhen it comes time to make withdrawals in retirement.

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It’s reassuring to knowthat no matter where my careertakes me, there’s an IRA thatts my goals.

”

IRAs are an increasingly popular way to save.More than 46 million U.S. households own atleast one IRA today.

Investment Company Institute,

The Role of IRAs in U.S. Households’ Saving for Retirement,

2009.