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Learn what an ira is, how it works, and compare the 4 main types—traditional, roth, sep, and simple iras—with key rules on contributions, tax benefits, and withdrawals. The three main types of iras are traditional iras, roth iras and rollover iras. Learn more about iras and how these retirement savings accounts can help you save for your retirement.

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There is a range of different types of iras (and strategies that come with. An ira is a retirement account set up by individuals rather than through employers Find out what an ira is, what it offers, and how the three main types differ

There are a variety of iras, but most people will take advantage of the two main types of iras

Traditional ira and roth ira Keep in mind that there are tax implications for the different types of iras. A roth ira can be an individual retirement account containing investments in securities, usually common stocks and bonds, often through mutual funds (although other investments, including derivatives, notes, certificates of deposit, and real estate are possible) A roth ira can also be an individual retirement annuity, which is an annuity contract or an endowment contract purchased from a life.

Any deductible contributions and earnings you withdraw or that are distributed from your traditional ira are taxable Also, if you are under age 59 ½ you may have to pay an additional 10% tax for early withdrawals unless you qualify for an exception.