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Which IRA makes the most sense for you? IRAs come in two forms and have different approaches to saving: Traditional IRA â A Traditional IRA is a tax-deferred retirement account. You save today and are taxed when you withdraw the money.* The age limit to contribute is 70Â½. Roth IRA â In a Roth IRA, you don't get any tax deductions for the contribution today, but can withdraw the assets when you retire without paying taxes.** There's no age limit to contribute. IRAs have a few additional differences, but your financial advisor can help you determine which savings vehicle best meets your needs. If I have a 401(k), do I need an IRA?
IRA contributions for tax year 2013 can be made until April 15, 2014, and often result in a big tax savings. You are able to defer paying income tax on the amount you contribute to a traditional IRA, which lowers your tax bill almost immediately.Workers can defer taxes on contributions of up to $5,500 to an IRA for 2013.Individuals age 50 and older can contribute an additional $1,000 per year in catch-up contributions.or example, a worker in the 25 percent tax bracket who contributes $5,500 to an IRA would save $1,375 on his current tax bill. A 55-year-old worker in the 15 percent tax bracket who contributes $6,500 would save $975.