传统及罗斯弹性退休帐户(可变利率)

An Individual Retirement Account (爱尔兰共和军) is an account that allows you to save for retirement with tax-free growth or on a tax-deferred basis. ira主要有三种类型——传统ira, 罗斯, 和翻转-每个都有不同的优势.

• 在一个 传统的爱尔兰共和军, you make contributions with money you may be able to deduct on your tax return and any earnings can potentially grow tax-deferred until you withdraw them in retirement. Many retirees also find themselves in a lower tax bracket than they were in pre-retirement, so the tax-deferral means the money may be taxed at a lower rate.
• 与一个 罗斯爱尔兰共和军, you make contributions with money you've already paid taxes on (after-tax) and your money may potentially grow tax-free, 退休后可以免税提款, 只要满足某些条件.
• A 翻转爱尔兰共和军 is a 传统的爱尔兰共和军 intended for money "rolled over" from a qualified retirement plan. Rollovers involve moving eligible assets from an employer-sponsored plan, 比如401(k)或者403(b), 转入爱尔兰共和军账户.

无论你选择传统的还是罗斯个人退休账户, the tax benefits allow your savings to potentially grow, 或复合, 比应税账户要快得多.

拨打1-800-621-2105开设弹性利率爱尔兰共和军账户

弹性利率爱尔兰共和军的功能类似于弹性利率证书. As the Prime 率 changes, the Flex 率 爱尔兰共和军 dividend will adjust.

利记app官网 offers both Traditional and 罗斯 ira to our members. Depending on your situation, one account type or the other may be right for you. There are different rules and benefits for each type of 爱尔兰共和军. 使用传统爱尔兰共和军, 你贡献税前或税后的钱, 增长是延税的, and you are taxed for withdrawals as current income after you are age 59½. 与一个 罗斯爱尔兰共和军, you contribute after-tax dollars, so your money grows tax-free. You can also generally withdraw money without paying tax or penalty after age 59½.

换句话说，一些关键的区别是:

传统ira

• 储蓄 are taxed as income in retirement (tax-deferred earnings)
• 供款可以抵税
• 供款没有入息限制

 罗斯 ira

• 捐款不能抵税
• Receive tax-free income in retirement, as the contributions were taxed when put into savings
• 你的贡献是有限的
• Withdrawals are considered qualified as long as the account has been open for at least five years, 你要么超过59岁半, 禁用, or buying your first home (other restrictions may apply)

拨打1-800-621-2105开设弹性利率爱尔兰共和军账户比较其他储蓄选择

You can contribute up to $7,000 per tax year to an 爱尔兰共和军, or possibly $8,000 if you are over age 50. 如果你的配偶有工作, 他/她也可以开立个人退休账户，供款最高为7美元,000美元(也可能是8美元),如果年龄在50岁以上，则为当年的收入. Or, you can open a spousal 爱尔兰共和军 on his/her behalf with the total contribution of $14,000美元, as long as a contribution to either of the accounts is no more than $7,000. For 50 and older, the contribution for both could total $16,000美元.

Keep in mind with the Flex 率 爱尔兰共和军 that as the Prime 率 changes, 弹性利率爱尔兰共和军的股息率将会调整.

像银行一样，只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, we return profits to members in the form of reduced fees, 更高的储蓄率, 更低的贷款利率.

可信的建议. 新鲜的方法.

We pride ourselves on being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with one-on-one assistance as you navigate the changes that come with each of life's stages.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally¹. 我们为所有50个州和50多个国家的会员提供服务. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

我们的技术使使用元素进行银行业务变得简单. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

拨打1-800-621-2105开设弹性利率爱尔兰共和军账户

呼叫 1-800-621-2105 to start your Traditional or 罗斯 Flex 率 爱尔兰共和军 application. An 元素 representative will help you determine the best option to fit your financial goals and will reach out within 2 business days to let you know if you’ve been approved.

ira不能在线打开.

拨打1-800-621-2105开设弹性利率爱尔兰共和军账户

Can I roll over my 健康储蓄帐户(HSA) 转入爱尔兰共和军账户?

No. HSA funds can only be rolled over into another HSA account, not an 爱尔兰共和军.

如果我死了，我的传统爱尔兰共和军账户怎么办?

Your beneficiaries will be notified, and funds will be distributed accordingly.