The TD AMERITRADE Easy IRA

Smart Solutions for Retirement Planning

TD AMERITRADE makes it simple for you to invest for retirement. We have a variety of Individual Retirement Accounts (IRAs) that are easy to open, fund and manage-all with no set up or annual fees.

We have an IRA to meet your Needs

Traditional (Individual Contributory) IRA

A Traditional IRA (also called a Contributory IRA) can help investors save for retirement while earnings grow on a tax-deferred basis. Up to $5,000 a year (for 2008) can be placed in an IRA until the account owner turns 70½ years old. An individual can also contribute an additional $5,000 a year of earned income to a separate IRA for a non-income-earning spouse. For the 2008 tax year, account owners who turn age 50 or over by the end of the year are allowed to contribute an additional $1,000. Taxable distributions from an IRA can be taken without penalty starting at age 59½, and must be started by April 1 after the individual has reached 70½ years of age.

Roth IRA

Like the Traditional IRA, the Roth IRA is a personal savings plan that offers tax advantages to set aside assets for retirement. Contributions to a Roth IRA are not tax deductible, but grow tax free. A unique advantage for the Roth IRA is that once the account owner reaches the age of 59½ and the account has existed for more than five years, all withdrawals are federally tax free. Other distribution exceptions may apply. Anyone who has earned income and falls within the Modified Adjusted Gross Income (MAGI) limits can contribute to a Roth IRA. Unlike Traditional IRAs, the Roth IRA has no age limit for contributions.

Rollover (Non-Contributory) IRA

A Rollover IRA is designed as a holding account for funds distributed from an employer's qualified retirement plan such as a 401(k) or 403(b). Moving funds into a Rollover IRA may provide more investing choices than what a typical employer's qualified retirement plan offers.

TD AMERITRADE does not provide tax advice. We suggest that you seek the advice of a tax-planning professional with regard to your personal circumstances.

INVESTMENT PRODUCTS HELD IN A TD AMERITRADE ACCOUNT ARE NOT FDIC INSURED OR BANK GUARANTEED AND MAY LOSE VALUE. Market volatility, volume and system availability may delay account access and trade executions.

TD AMERITRADE and Suze Orman are separate and not affiliated, and each of them is not responsible for the services and information provided by the other.

TD AMERITRADE, Division of TD AMERITRADE, Inc., member FINRA/SIPC/NFA. TD Bank USA, N.A. and TD AMERITRADE are affiliated through their parent companies. TD AMERITRADE is a trademark jointly owned by TD AMERITRADE IP Company, Inc., and The Toronto-Dominion Bank. © 2010 TD AMERITRADE IP Company, Inc. All rights reserved. Used with permission.