Traditional IRA funds are always open and adaptable for your terms. There is no minimum contribution requirement and you can choose your own investments. A traditional IRA can also be created and funded without any employer participation. You can easily withdrawal prior to retirement; however, you may be subject to an additional 10% IRA penalty. Save for your golden years on your terms, and open an IRA today.
(For those who participate in an employer plan, Traditional IRA deductibility is gradually phased out above these income levels.)
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