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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

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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.

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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.

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