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An IRA or individual retirement arrangement is a tax-deferred investment account that helps you save for retirement. You can open an IRA at banks, robo-advisors and brokers. Depending on which type of IRA you choose, your contributions may be tax-deductible or withdrawals may be tax-free.
What is an IRA?
Both 401(k)s and IRAs — including Roth IRAs — have valuable tax benefits, and you can often contribute to both types of accounts. The main difference between 401(k)s and IRAs is that employers offer 401(k)s, but individuals open IRAs on their own, through a broker or bank. IRAs typically offer more investment options, but 401(k)s allow higher annual contributions.
401(k) vs. Roth IRA: Which is best?
When saving for retirement, most experts recommend an annual retirement savings goal of 10% to 15% of your pre-tax income. High earners generally want to hit the top of that range; low earners can typically hover closer to the bottom since Social Security may replace more of their income.
How much will you need to retire?
Online broker reviews
Fidelity Investments Review 2023
Fidelity is one of the most well-rounded brokerages available today, with no commissions on stock or ETF trades and a selection of no-expense-ratio index funds suited to both beginner and active investors.
SoFi Active Investing Review 2023: Pros, Cons and How It Compares
SoFi Active Investing is geared toward young investors getting their start in trading, with commission-free trades of stocks, ETFs and fractional shares. SoFi also offers cryptocurrency trading.
E*TRADE Review 2023: Pros, Cons and How It Compares
E*TRADE excels even outside of its $0 commissions, with superb educational resources, portfolio-building tools and a large mutual fund selection.