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Since their introduction in 1974 via the Employee Retirement Income Security Act, individual retirement accounts (IRAs) have been America’s go-to retirement saving vehicle alongside employer-sponsored 401(k)s. Today, at least 43.9 million U.S. households own one or multiple IRAs. If your household isn't included among them,...

Since their introduction in 1974 via the Employee Retirement Income Security Act, individual retirement accounts (IRAs) have been America’s go-to retirement saving vehicle alongside employer-sponsored 401(k)s. Today, at least 43.9 million U.S. households own one or multiple IRAs. If your household isn't included among them,...

There are two broad categories of tax-advantaged retirement plans: defined contribution and defined benefit. These two types are primarily differentiated based on the process in which they are funded and how participants are paid out benefits. [caption id="attachment_3140" align="alignright" width="150"] The IRS allows defined contribution plans...