A BNY MELLON COMPANY

Insights & Ideas

Retirement Savings Plans

A secure retirement is something all investors aim to achieve. With careful planning, professional guidance and ongoing assessment, you'll be able to plan for that retirement with the IRA or retirement plan choice that's right for you.

  • Traditional IRA

    Traditional IRA investors can benefit from tax-deferred earnings, regardless of their income level.

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  • Roth IRA

    The major advantage of a Roth IRA is that you will be eligible for tax-free distributions if you make a qualified withdrawal.

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  • Rollover IRA

    This plan is basically a Traditional IRA that you can move money into from other retirement plans (an old 401(k), 403(b) or another IRA) and maintain tax-deferred growth.

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  • SEP-IRA

    This retirement plan offers a valuable investment opportunity for self-employed individuals and small business owners.

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  • SIMPLE IRA

    This retirement plan for small businesses can serve as a valuable retirement savings alternative to a traditional 401(k) plan.

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  • IRA Comparison Chart

    Take a look at the different features and benefits of a Traditional IRA and a Roth IRA.

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  • 401(k) and 403(b) Plans

    These plans are employer-sponsored plans that allow employees to set aside savings for retirement purposes. Contributions are deducted from your salary automatically, before you receive your paycheck—and before taxes are calculated.

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  • Individual 401(k)

    A Dreyfus retirement plan option available to an owner-only business, including a sole proprietorship or partnership, with no employees other than a working spouse

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New IRA Contribution Limits