{"id":22497,"date":"2025-12-09T19:53:14","date_gmt":"2025-12-09T19:53:14","guid":{"rendered":"https:\/\/incredipros.com\/?p=22497"},"modified":"2025-12-09T19:53:16","modified_gmt":"2025-12-09T19:53:16","slug":"what-is-an-ira-types-and-how-they-work","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=22497","title":{"rendered":"What Is An IRA? Types And How They Work"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_a487f07b0830b635f71773a3f91b0bc2\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            IRAs are a tax-advantaged way to save for your future. You can open an account even if you\u2019re also investing in an employer-sponsored account like a 401(k), assuming you meet the other IRA eligibility requirements.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The two main types of IRAs are traditional and Roth, but depending on your situation, you may also want to consider a SEP or SIMPLE IRA.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            IRAs come with the upside of tax benefits and flexibility, but they also have strict contribution limits and early withdrawal penalties.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>An IRA is an account that you can use to save and invest for retirement<strong> <\/strong>\u2014 and it comes with valuable tax benefits. Technically, IRA stands for Individual Retirement Arrangement, but the A in the acronym is colloquially referred to as an account.<\/p>\n<p>IRAs are particularly valuable tools for the one-third of private industry workers in the U.S. who don\u2019t have access to a workplace retirement account, such as a 401(k). Too often, that lack of a 401(k) means people don\u2019t save for retirement.<\/p>\n<p>But an IRA can be a smart saving tool even for workers who <em>do<\/em> have access to a workplace plan. If you\u2019re maxing out your contributions there or you simply want another option with more control over your investments, an IRA can present a great way to save more money for retirement.<\/p>\n<h2 id=\"how-an-ira-works\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How does an IRA work?\" data-outcome=\"\">How does an IRA work?<\/h2>\n<p>Saving for retirement in an IRA versus a regular taxable brokerage account is like the difference between speeding through the E-Z Pass lane on the highway or stopping at the toll booth every 20 miles: You\u2019re going to get where you want to go a bit faster without having to stop at the tax tollbooth every year as you would with a regular brokerage account. <\/p>\n<p>When you open an IRA, you contribute funds that can then be invested in a wide range of assets \u2014 CDs, stocks, bonds and other top investments. You\u2019re not limited to a menu of investments as you often are in a 401(k). That means you can take full control of how to invest your account.<\/p>\n<p>If you don\u2019t feel equipped to choose investments for your IRA, it\u2019s wise to browse robo-advisors or pick a target-date retirement fund. Both are low-cost ways to get broad diversification tailored to your time horizon and your risk tolerance.<\/p>\n<p>No matter when you\u2019re hoping to retire, today\u2019s asset allocation \u2014 how you split your money between stocks, bonds and other investments \u2014 is critical to tomorrow\u2019s earnings. Some studies have shown that asset allocation determines as much as 90% of an investor\u2019s total return. IRAs offer flexibility in adjusting those investments, too. You can move in and out of them \u2014 for example, shifting your money from stocks to bonds \u2014 without incurring capital gains taxes.<\/p>\n<p>But, while you can move the money around freely within the IRA, usually you can\u2019t withdraw it early without paying a price. An IRA is designed for retirement, which means that withdrawals from a traditional IRA before you\u2019re 59 \u00bd will incur both income taxes and a hefty penalty of 10% \u2014 unless you\u2019re using the money for a special exception, such as buying your first home or paying for higher education (and those exceptions come with caveats).<\/p>\n<h2 id=\"types-of-iras\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Types of IRAs\" data-outcome=\"\">Types of IRAs<\/h2>\n<p>IRAs come in several flavors. The fundamental difference between each is whether you pay taxes before contributing or after withdrawing funds, and when you\u2019re required to withdraw funds.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--text Table--stripedOdd Table--spacing1 align-middle is-style-stripes has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>Type<\/th>\n<th>Who can open an account?<\/th>\n<th>Contribution limit<\/th>\n<th>Contributions tax-deductible?<\/th>\n<th>Withdrawals tax-free?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Traditional\u00a0<\/strong><\/td>\n<td>Individual taxpayers (and their spouses) with earned income<\/td>\n<td>In 2025: $7,000 ($8,000 if you\u2019re 50+)<\/p>\n<p>In 2026: $7,500 ($8,600 if you\u2019re 50+)<\/p>\n<p>The contribution max is the lesser of the above limits or earned income<\/p>\n<\/td>\n<td>Yes, unless you or your spouse is covered by an employer retirement plan and your income exceeds certain levels\u00a0<\/td>\n<td>No<\/td>\n<\/tr>\n<tr>\n<td><strong>Roth<\/strong><\/td>\n<td>Individual taxpayers (and their spouses) with earned income, if modified adjusted gross income (MAGI) is less than:<\/p>\n<p>In 2025:<br \/>$165,000 (single or head of household)<br \/>$246,000 (married filing jointly)<br \/>$10,000 (married filing separately)<\/p>\n<p>In 2026:<br \/>$168,000 (single or head of household)<br \/>$252,000 (married filing jointly) <br \/>$10,000 (married filing separately)<\/p>\n<\/td>\n<td>In 2025: $7,000 ($8,000 if you\u2019re 50+)<\/p>\n<p>In 2026: $7,500 ($8,600 if you\u2019re 50+)<\/p>\n<p>The contribution max is the lesser of the above limits or earned income<\/p>\n<p>The Roth IRA max contribution gets reduced as income approaches the limits noted to the left<\/p>\n<\/td>\n<td>No\u00a0<\/td>\n<td>Yes, as long as you meet qualifying conditions<\/td>\n<\/tr>\n<tr>\n<td><strong>SEP<\/strong><\/td>\n<td>Self-employed taxpayers and small-business owners\u00a0<\/td>\n<td>In 2025: The lesser of $70,000 or 25% of income<\/p>\n<p>In 2026: The lesser of $72,000 or 25% of income<\/p>\n<\/td>\n<td>Yes, for employers and self-employed people<\/td>\n<td>No\u00a0<\/td>\n<\/tr>\n<tr>\n<td><strong>SIMPLE<\/strong><\/td>\n<td>Self-employed taxpayers and small-business owners\u00a0<\/td>\n<td>In 2025: $16,500 for employees<\/p>\n<p>In 2026: $17,000 for employees<\/p>\n<\/td>\n<td>Yes, for employers<\/td>\n<td>No\u00a0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Traditional IRA<\/h3>\n<p>When you withdraw funds from a traditional IRA in retirement, you\u2019ll pay taxes on the full amount you are withdrawing. Once you turn 73, you\u2019re required to make withdrawals or face a hefty penalty.<\/p>\n<p>Anyone with earned income can contribute to an IRA. Plus, you may be eligible to claim a tax deduction in the year you make the contribution.<\/p>\n<p>The only limitation on deducting your traditional IRA contribution comes into play if you, or your spouse, has a retirement account at work. That is, if you, or your spouse, has a retirement account at work and your income exceeds the following limits, the value of your deduction starts to phase out and, at higher incomes, disappears entirely (you can still contribute to an IRA; it\u2019s simply nondeductible).<\/p>\n<p><strong>If you have a retirement account at work,<\/strong> then the value of your IRA deduction starts to phase out if your modified adjusted gross income (MAGI) is:<\/p>\n<ul class=\"wp-block-list\">\n<li>Married filing jointly:\n<ul class=\"wp-block-list\">\n<li>$126,000 or more in 2025<\/li>\n<li>$129,000 or more in 2026<\/li>\n<\/ul>\n<\/li>\n<li>Single or head of household:\n<ul class=\"wp-block-list\">\n<li>$79,000 or more in 2025<\/li>\n<li>$81,000 or more in 2026<\/li>\n<\/ul>\n<\/li>\n<li>Married filing separately:\n<ul class=\"wp-block-list\">\n<li>Less than $10,000 (not adjusted for inflation)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>If your spouse has a retirement account<\/strong> <strong>at work,<\/strong> then your ability to deduct your contribution to a traditional IRA starts to phase out if your modified adjusted gross income is:<\/p>\n<ul class=\"wp-block-list\">\n<li>Married filing jointly:\n<ul class=\"wp-block-list\">\n<li>$236,000 or more in 2025<\/li>\n<li>$242,000 or more in 2026<\/li>\n<\/ul>\n<\/li>\n<li>Married filing separately:\n<ul class=\"wp-block-list\">\n<li>Less than $10,000 (not adjusted for inflation)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>Roth IRA<\/h3>\n<p>A Roth IRA doesn\u2019t offer the instant gratification of an immediate tax break. Instead, you\u2019ll pay your usual income taxes on the money you contribute to a Roth IRA, but you\u2019ll owe zero taxes when you withdraw the proceeds in retirement. (There\u2019s no requirement to make withdrawals from a Roth IRA.)<\/p>\n<p>The Roth IRA contribution limit is the same as for traditional IRAs: $7,500 in 2026 ($8,600 if you\u2019re 50 or older), up from $7,000 in 2025 ($8,000 if you\u2019re 50 or older). You can contribute to a Roth IRA and a traditional IRA in the same year, but your combined contributions can\u2019t exceed the annual limit.<\/p>\n<p>As a rule of thumb, many financial advisors say a traditional IRA is better than a Roth IRA if you\u2019re in a higher tax bracket now than you will be later. When comparing traditional and Roth IRAs, it\u2019s fairly common to think about current tax status versus your tax status in retirement, with the assumption that you\u2019ll be in a lower tax bracket when you\u2019re no longer working (and thus paying taxes later, as you do with a traditional IRA, is better).<\/p>\n<p>Still, it\u2019s very difficult to predict your tax bracket 30 years from now. Instead, look at the choice of a Roth from the perspective of diversifying your tax exposure. Regardless of your future tax bracket, having some assets accumulated in a Roth IRA that can later be withdrawn tax-free is worth considering.<\/p>\n<h3>SEP IRA<\/h3>\n<p>A SEP IRA is available to self-employed people and business owners. It offers the tax advantages of an IRA, and the employer can contribute the lesser of 25% of income or $72,000 in 2026 (up from $70,000 in 2025) \u2014 much more than what workers alone can set aside in a regular IRA.<\/p>\n<h3>SIMPLE IRA<\/h3>\n<p>A SIMPLE IRA is another type of employer-sponsored retirement plan for self-employed people or business owners. Employees can defer their salary to their account, and employers must contribute to the account. The contribution limit for employees is $17,000 in 2026, up from $16,500 in 2025. However, employees of a company with fewer than 25 employees enjoy a contribution limit that is 10% higher, though larger employers may also offer this higher limit in some circumstances.<\/p>\n<p>If your plan allows it, employees aged 50 and older can make catch-up contributions of up to $4,000 in 2026, up from $3,500 in 2025. However, employees may face different catch-up contribution limits under some conditions. For example, savers aged 60, 61, 62 or 63 have a $5,250 catch-up contribution limit in 2026, which is unchanged from 2025.<\/p>\n<h2 id=\"how-to-open-an-ira\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to open an IRA\" data-outcome=\"\">How to open an IRA<\/h2>\n<p>To open an IRA, you or your spouse must have earned income from working. If that\u2019s the case, you can follow these steps:\u00a0<\/p>\n<ol class=\"wp-block-list\">\n<li>\n<strong>Choose your type of IRA.<\/strong> Based on the information above regarding traditional IRAs, Roth IRAs, SEP IRAs and SIMPLE IRAs, choose the option that makes sense for you.\u00a0<\/li>\n<li>\n<strong>Find a brokerage.<\/strong> You can open an IRA at a wide range of companies including brokerage firms, mutual fund companies, banks and credit unions. Pay attention to management fees, commissions and minimum opening requirements to make sure you find a good deal.<\/li>\n<li>\n<strong>Fund the account.<\/strong> The ways you\u2019re able to fund your account will vary by platform, but you can likely connect a bank account and transfer funds directly to the retirement account.<\/li>\n<\/ol>\n<h2 id=\"pros-cons\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Pros and cons of an IRA\" data-outcome=\"\">Pros and cons of an IRA<\/h2>\n<p>IRAs have plenty of pros, including:\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Tax benefits:<\/strong> IRAs offer tax-free growth of your money. Traditional IRAs also come with tax deductions for your contributions, and Roth IRAs let you withdraw your investment earnings tax-free.<\/li>\n<li>\n<strong>Flexibility:<\/strong> When you invest through a 401(k), you\u2019re limited to the investments the plan offers. But with IRAs, your investment choices are limited only by what the broker offers. The best brokerage firms offer access to a broad range of stocks, bonds and funds.\u00a0<\/li>\n<li>\n<strong>No RMDs for some IRAs:<\/strong> Roth IRAs don\u2019t come with required minimum distributions (RMDs).<\/li>\n<\/ul>\n<p>But they also have drawbacks, including:\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Low annual contribution limits:<\/strong> Both IRAs and Roth IRAs have strict contribution limits.<\/li>\n<li>\n<strong>Early withdrawal penalties:<\/strong> With most IRAs, you\u2019ll face penalties if you withdraw your money before age 59 \u00bd.<\/li>\n<li>\n<strong>Potential for RMDs:<\/strong> Traditional IRA rules require that you start withdrawing your money once you hit age 73.<\/li>\n<\/ul>\n<h2 id=\"is-it-better-to-have-a-401-k-or-an-ira\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Is it better to have a 401(k) or an IRA?\" data-outcome=\"\">Is it better to have a 401(k) or an IRA?<\/h2>\n<p>Both 401(k)s and IRAs offer key advantages for those looking to save for retirement. But a 401(k) is better than an IRA for several reasons:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Company match.<\/strong> A 401(k) may come with a company matching contribution, meaning that you\u2019ll receive free money from your employer if you save in your account. Typically, you\u2019ll receive 50% to 100% of your contribution, up to 3% to 5% of your salary, depending on your plan. It\u2019s an easy way for you to generate an immediate and risk-free return on your money, and experts routinely advise workers to be sure to get the entire company matching contribution.<\/li>\n<li>\n<strong>Higher contribution limits.<\/strong> A 401(k) allows workers to save up to $24,500 in 2026 ($23,500 in 2025) compared to just $7,500 in an IRA ($7,000 in 2025).<\/li>\n<li>\n<strong>Higher catch-up contributions. <\/strong>For those 50 and older, 401(k)s let you contribute an additional $8,000 in 2026 ($7,500 in 2025). For people aged 60, 61, 62 or 63, the 401(k) catch-up limit is $11,250 in 2026 (the same as 2025). The IRA has a more modest $1,100 catch-up limit ($1,000 in 2025). <\/li>\n<\/ul>\n<h2 id=\"faqs\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"IRA FAQs\" data-outcome=\"\">IRA FAQs<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-much-money-do-you-need-to-start-an-ira', 'heading-how-much-money-do-you-need-to-start-an-ira']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-much-money-do-you-need-to-start-an-ira')\" :aria-controls=\"$id('panel-how-much-money-do-you-need-to-start-an-ira')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How much money do you need to start an IRA?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-much-money-do-you-need-to-start-an-ira')\" :aria-labelledby=\"$id('heading-how-much-money-do-you-need-to-start-an-ira')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            There\u2019s no minimum amount needed to open an IRA. Brokerages may set their own minimum requirements, but often you can begin with as little as $1.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-does-an-ira-make-money', 'heading-how-does-an-ira-make-money']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-does-an-ira-make-money')\" :aria-controls=\"$id('panel-how-does-an-ira-make-money')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How does an IRA make money?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-does-an-ira-make-money')\" :aria-labelledby=\"$id('heading-how-does-an-ira-make-money')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Once you open an IRA, you\u2019re then able to invest your money in stocks, bonds and more. Over time, your money will grow as it would in a traditional brokerage account.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-is-the-average-return-on-an-ira', 'heading-what-is-the-average-return-on-an-ira']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-is-the-average-return-on-an-ira')\" :aria-controls=\"$id('panel-what-is-the-average-return-on-an-ira')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is the average return on an IRA?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-is-the-average-return-on-an-ira')\" :aria-labelledby=\"$id('heading-what-is-the-average-return-on-an-ira')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            The average return of an IRA will depend on what you invest in. The stock market\u2019s average annual returns, for example, have typically been around 10% over time.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h2 data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>IRAs can be a good way to save for your future, whether or not you\u2019re also contributing to an employer retirement plan like a 401(k). They come with tax advantages that traditional brokerage accounts don\u2019t, and they tend to offer more flexibility than 401(k)s. However, they also have strict contribution limits and, in some cases, early withdrawal penalties. Be sure to carefully consider which IRAs you\u2019re eligible for \u2014\u00a0and which best suit your needs \u2014\u00a0before opening an account.\u00a0\u00a0<\/p>\n<p><em>\u2014 Bankrate\u2019s <\/em><em>James Royal, Ph.D.<\/em><em>, contributed to an update of this story.<\/em><\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"PIWXkt3kyH\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" 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1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/investing\/what-is-an-ira\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways IRAs are a tax-advantaged way to save for your future. You can open an account even if you\u2019re also investing in an employer-sponsored account like a 401(k), assuming you meet the other IRA eligibility requirements. The two main types of IRAs are traditional and Roth, but depending on your situation, you may also<\/p>\n","protected":false},"author":1,"featured_media":22498,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[],"class_list":{"0":"post-22497","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investing"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is An IRA? Types And How They Work | IncrediPros<\/title>\n<meta name=\"description\" content=\"Key takeaways IRAs are a tax-advantaged way to save for your future. 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