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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?
1 Assets in the Roth IRA can be passed on to heirs. 2  The Roth IRA does not require distributions based on age. 3  All other tax-deferred retirement plans, including the related Roth 401(k) , require withdrawals to begin by April 1 of the calendar year after the owner reaches age 70Â½. In 2008, one cannot contribute $6667 to a traditional IRA due to the contribution limit, so the post-tax Roth contribution may be larger. 2  On estates large enough to be subject to estate taxes, a Roth IRA can reduce estate taxes since tax dollars have already been subtracted.