IRAs have been around since 1974 and has since become a fundamental building block for retirement plans. In 1997, Congress made them even better with the addition of the Roth IRA. Similar but very different in some key areas, read on to determine which program is best for you and your retirement needs.
Traditional IRAs give you a tax break in the year you make the contribution and you will only pay takes once you take distributions when you retire. You will not pay anything in the meantime.
Roth IRAs will not give you a tax break when you make the contribution, but you will be able to remove all the funds tax-free in retirement.
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