IRA: Roth & Traditional

Is your 401(k) enough to get you through retirement?

An IRA can supplement your retirement savings. An Individual Retirement Account (IRA) provides eligible investors a tax-advantaged way to save for retirement. Whether you are looking to better understand the basics of IRAs, compare IRAs side by side, try a calculator or find out how to open an IRA, we are here to help.

IRA Basics

A basic understanding of IRAs, such as the different types, eligibility rules, contribution limits and withdrawal guidelines, will help you make informed decisions before investing.

Compare IRAs

American Century Investments® offers different IRA types designed to help investors like you save for a secure retirement. Find out the benefits of each and use our IRA calculators to decide which might be right for you.

Required Minimum Distributions

Are you required to take a required minimum distribution (RMD) by December 31? The SECURE Act, effective January 1, 2020, changed the age at which RMDs begin for applicable IRA or retirement accounts.1

1 The SECURE Act, effective January 1, 2020, changed the age at which RMDs begin.

  • If you were born before 7/1/1949, you must begin RMDs at age 70½.
  • If you were born on or after 7/1/1949, you must begin RMDs at age 72.

Be sure to read the section When to Take Distributions.

This information is for educational purposes only and is not intended as a personalized recommendation or fiduciary advice. There are different options available for your retirement plan investments. You should consider all options before making a decision. Our representatives can help you evaluate all of your distribution options.