IRA: Roth & Traditional

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

IRA Resources

Rollover Services

Rollover Options

Retirement Planner

Retirement Calculators

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.