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An ira is a standalone retirement account — meaning it’s not associated with any employer — and you can open one with most financial institutions Also, if you are under age 59 ½ you may have to pay an additional 10% tax for early withdrawals unless you qualify for an exception. Whether you open a traditional or roth ira, there are several key features and benefits to these retirement accounts that can help you live your best life — now and in retirement.
A roth ira can be an individual retirement account containing investments in securities, usually common stocks and bonds, often through mutual funds (although other investments, including derivatives, notes, certificates of deposit, and real estate are possible)
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