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An IRA is an individual retirement account. There are 2 types, Roth and traditional. For a Roth IRA, you put money in after you've already paid taxes on everything, and for a traditional account, you can put money in and deduct that amount from your total income tax--but you have to pay income tax when you withdraw the money after retiring. You can contribute up to a maximum of $5,000 per year (or if you're older than 60, $6,000 per year)--if you earn less than $5,000 per year, then the maximum you contribute is equal to your total income.
Ideally, you should invest your money with an IRA--it's for retirement, so you'll need to keep saving for decades. Best bets are invest in a stock index fund or a value fund (a mutual fund designed for long term). This will guard against inflation and help you earn extra interest for retirement.
by Sp Greaney4 years ago
What age should you start saving for your pension?
by route66tim7 years ago
What are rules for IRA deductions with retirement plans at work?My wife made $1000 last year and we contributed $5000 to a traditional IRA for her... Her job also has her enrolled in a retirement plan. Can we...
by Grace Marguerite Williams3 years ago
Do you agree that in these times, in order to live well, one must earn at least $80,000 per yearindividually and for a family of 3 to 5 members on average, one must earn at least $125,000 per year?
by Reality Bytes6 years ago
This question was asked during the last debate. No one answered it.What percentage of a workers income should the worker be allowed to keep? What is a fair share?50%, 60% what do you think?The question...
by countrywomen9 years ago
We were just following the news recently where Jon Stewart accused Jim Kramer (and others in the media) for there part in the 401k losses. Both myself and to a great extent my husband's 401k was lost. Recently...
by Kieron Walker4 years ago
When is the best time to retire?
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