Your Mutual Fund Investment Choices
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- General Investing
- Retirement Investing
- Investing for a Minor
Investment accounts to help you build wealth and achieve your goals, whatever they are.
A general investing account is usually taxable and may be used for any investment goal.
- An individual account with one owner
- A joint account with two or more owners
- A personal trust account which was established through financial or legal advisors
IRAs to help you prepare for retirement.
An individual retirement account (IRA) can help you save for retirement.
Different types of IRAs include:
- Traditional IRA - Contributions may be tax-deductible for the current tax year. Earnings and tax-deductible contributions are taxed at the time you begin taking qualified withdrawals.
- Roth IRA - Contributions are made on an after-tax basis. Earnings on contributions are tax-free at the time you begin taking qualified withdrawals.
- Rollover IRA - Contributions in a Rollover IRA originate in an employer-sponsored retirement plan, such as a 401(k). They are distributed out of the employer plan and into a Rollover IRA when you leave the company or retire. Earnings and contributions remain tax-deferred and are taxed at the time you begin taking qualified withdrawals.
An investment for a child's future.
Investment accounts for minors are managed by a designated adult, often a parent or guardian. The accounts are registered under the minor's Social Security number.
Investments for minor individuals may be established as:
- An account under the Uniform Gift to Minor Act (UGMA) or Uniform Transfer to Minor Act (UTMA). A UGMA or UTMA allows an adult to give a gift, such as mutual fund shares, to a minor. A designated custodian directs transactions for the minor until the minor reaches the age of majority.
- A traditional or Roth IRA for a minor who has earned income. A designated responsible individual directs transactions for the minor until the minor reaches the age of majority.