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How to Invest for Retirement
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Unlike IRAs, a 401K only offers a select group of ____________ .
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Hi, my name is Jon and I'm an independent investor from Kansas City and I'm going to share with you how to invest for retirement for About.com.

There are many options that an investor has when it comes to choosing a retirement account or the option of having more than one retirement account.

The most common are a 401K, a traditional IRA (individual retirement account) or a Roth IRA.

401K Retirement Accounts

Most employers offer a 401K retirement account where you can deposit money straight from your paycheck into your retirement account. It's easy and helpful because it can be done automatically. If you are starting late in life on your 401K you also have the option of being able to contribute more than you would in a traditional IRA or a Roth IRA. You can also start drawing from your IRA at soon as 55 if you choose or you can keep working and keep adding to your account. Another benefit to a 401K is that you employer matches your contribution up to a certain percentage. A 401K however only offers a select group of mutual funds to invest in, unlike IRAs.

IRAs

Traditional IRAs give you an immediate tax benefit because contributions are often tax deductible with a max contribution of 5000 dollars per year. All of your earned income is tax deductible until the account holder reaches seventy and a half years old.

Roth IRAs

A Roth IRA has the same contribution limit of 5000 dollars per year, but are not tax deductible. However since annual contributions have already been taxed, these contributions will never be taxed again and the earning can grow tax free. You can begin drawing from your traditional or Roth IRA at age 59 and a half and be sure to check out the exceptions on being able to draw before the age of 59 and a half for such things as a first time home. Otherwise there are early withdrawal penalties.

Thank you for watching for more information on stocks and investing, be sure to check us out on the web at money.about.com.
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