存款证明IRA利率

术语 平衡 股息率 年百分比产量(APY)10
12个月 1000美元,在 0.35% 0.35%
18个月 1000美元,在 0.45% 0.45%
24个月 1000美元,在 0.49% 0.50%
36个月 1000美元,在 0.59% 0.60%
48个月 1000美元,在 0.64% 0.65%
6个月 1000美元,在 0.20% 0.20%
60个月 1000美元,在 0.79% 0.80%

存款证明IRA的特点

    获得分红

    以固定的、有保证的利率赚取.

    联邦担保

    你的存款有25万美元的联邦保险.

    没有维护费用

    0美元的安装费、月费和年费.

    开存款

    Start your certificate of deposit IRA with as little as $1,000.

    税收优惠

    退休储蓄和税收优惠.58

比较ira

Depending on your needs, you can choose to set up your IRA as a Traditional or 罗斯IRA.

传统的爱尔兰共和军罗斯IRASEP IRA
描述Our traditional IRA allows you to save for retirement with a guaranteed, fixed rate. Earnings 是 tax-deferred and your contributions may be tax-deductible.Earnings 是 guaranteed at a fixed rate and grow tax-free. You pay taxes on your contributions now, but earnings 是 tax-free upon withdrawal.SEP IRA是为个体投资者设计的. Earnings 是 guaranteed at a fixed rate and tax-deferred.
理想如果你想减少你当前的应税收入, 而且在退休前不要打算取钱, 59岁半时.你想在退休时减少你的应税收入, 你需要更灵活的取款方式, 或者你可以工作到72岁以上.你是自由职业者, 小企业主, or freelancer who wants to reduce their current taxable income.
税收优惠You may be able to reduce your current income taxes now. 在你取款之前是不交税的, 尤其是当你处于较低的纳税等级时.所有收入的增长都是免税的, 而且你取钱的时候不用交税, 尤其是当你处于较低的纳税等级时.在你取款之前是不交税的.
取款提款是应税收入. 取款 made before age 59½ could be subject to a 10% penalty.Earnings that have been in the account for 5 years 是 tax-free if you 是 at least 59½. Contributions can be withdrawn anytime with no penalty or taxation.提款是应税收入. 取款 made before age 59 1/2 could be subject to a 10% penalty.
强制性的取款Age 70½ for IRA owners born before July 1, 1949, and age 72 for those born on or after July 1, 1949没有一个Age 70½ for IRA owners born before July 1, 1949, and age 72 for those born on or after July 1, 1949
    

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