Our Retirement Specialists will help you select the plan that's right for you according to age, risk tolerance and life circumstances. At StockCross, you may also choose an entirely self-directed plan. Open a FREE* IRA account.
Traditional
Contributions may be tax-deductible. Taxes on earnings are deferred until you withdraw funds from the account, letting your investments compound faster. A great place to start for anyone under age 70 who has earned income.
Roth IRA
May offer greater tax savings and withdrawal flexibility than a traditional IRA. No mandatory annual distribution requirements. No age restrictions. Eligibility depends on income.
IRA Rollover
Start with a simple phone call and let a rollover specialist handle the details - it's that easy. We will help you complete your paperwork and, if you wish, assist you with your investment decisions. Access a wide range of investment vehicles, including stocks, mutual funds, bonds, and CDs. You may qualify to maintain the tax-deferred status of a payout from your 401(k) or other employer-sponsored retirement plan.
Inherited IRA
Allows an IRA beneficiary to keep inherited assets tax-deferred until funds are distributed.
Keogh Account
Retirement accounts designed for self-employed individuals, Keogh accounts offer many of the same benefits found in traditional IRA accounts. Ask your Retirement Specialist what retirement account is right for you.
The chart below briefly describes the maximum allowable contribution amount to your IRA for the category that applies to your household. Your eligibility to contribute to an IRA is also subject to age and income limits. You cannot contribute to an IRA if you are over age 70 1/2.
IRA Contribution Rates |
|||
| Allowable contribution amounts | 2008 | 2009 | |
Individuals under age 50 |
$5,000 |
$5,000 |
|
Individuals age 50 and older |
$6,000 |
$6,000 |
|
Married under age 50 (both) |
$10,000 |
$10,000 |
|
Married age 50 and older (both) |
$12,000 |
$12,000 |
|
* Applies to accounts with equity in excess of $10,000. A $30 maintenace fee is applied to all IRA accounts with December market value equity under $10,000.