Traditional IRAs

Get tax-deferred earnings with the "original" IRA

A traditional IRA is an excellent way to save money today for your retirement tomorrow. Take advantage of tax-deferred growth on your earnings. The longer your investments can grow without having to pay tax, the larger your total IRA value may be when you are ready to retire.

IRAs may be a key pool of assets, along with your workplace plan, Social Security, pension and part-time work wages that will help you have a comfortable retirement.

What is a Traditional IRA?

A Traditional IRA is the original Individual Retirement Account — sometimes referred to as an ordinary or regular IRA. Traditional IRAs allow tax-deferred accumulation of earnings and contributions may be tax — deductible. You can buy and sell securities (e.g., mutual funds) in your IRA account and receive income or capital gains from these investments without paying taxes immediately.

Is a Traditional IRA right for you this year?

Consider making your annual IRA contribution to a Traditional IRA if:

You have earned income and are under age 70½
You can deduct all or a portion of your contribution from your taxes
You anticipate being in a lower tax bracket when you take withdrawals at retirement
Your modified adjusted gross income is too high to allow contributions to a Roth IRA.
You are not eligible to deduct contributions, but still value the benefits of tax-deferred accumulation

Traditional IRAs have contribution eligibility and deductibility guidelines that you should consult to determine whether this approach is right for you. There are also special requirements for rollovers and conversions and mandatory withdrawals once you reach age 70½.

Next Steps

Check your IRA eligibility and deduction situation for this year
Compare Traditional and Roth IRA options
Print out the IRA application, fill in your sections completely, then take to your financial advisor to finish his sections
Meet with your financial advisor to discuss your IRA asset allocation and investment options, including a variety of mutual funds from Evergreen Investments
Make your check payable to Evergreen Investments

Have a financial advisor contact me.

Why do I need a financial advisor?

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