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Investing for Retirement

An overview of the investment choices available for retirement-minded traders.

Are you ready for your retirement years?

It's never too early to start planning for your retirement years. In fact, most financial experts agree the earlier you get started, the better.

Your first step should be to familiarize yourself with popular retirement account types, like Individual Retirement Accounts (IRAs). This page will help familiarize you with the basic differences between Roth and Traditional IRAs, as well as give you some online investing basics to move forward with your retirement income strategy

What's an IRA?

An Individual Retirement Account is an account for people who wish to save funds for retirement. Some types offer tax benefits when making a contribution. Others have tax benefits when withdrawing funds during your retirement years.

Which type of IRA should you open?

The two most popular account types include Traditional IRAs and Roth IRAs. Broadly speaking, they differ in the tax advantages they offer, as well as in their qualification requirements. Annual contributions to a Traditional IRA can possibly be deducted from your income in the year in which you invest, but you'll be liable to pay taxes on your withdrawals during your retirement years. Call this account type "deduct now, pay later".

Investing in a Roth IRA works differently than a Traditional IRA - call this approach "pay now, and don't pay later". In a Roth IRA you invest using post-tax dollars today. During your retirement years, though, you'll be able to withdraw funds tax-free. If you qualify, Roth IRAs allow your invested assets to grow tax-free, saving you plenty in taxes in the long run.

TradeKing offers no-fee IRAs with a broad menu of personal finance investing choices, complete with unbiased investing guidance to get you started right. With self-directed investing, you call the shots on your investment choices - but there's no need to go it alone entirely. We're happy to show you the many resources and investing news we offer to help you find investments right for you, including trading options in your IRA. Consult your tax planner to fully understand the tax implications of trading activity in your IRA to decide which account type best suits your needs.

What investments should I choose for my retirement funds?

Excellent question. Every investor needs to decide which investment vehicles make the most sense for them. You may choose to stick with traditional stocks or decide to invest in bonds as part of your retirement investment strategy. Diversified investments are also common choices.

Once you've chosen the right mix of investment asset types, you'll need to reflect on your investment approach. Some people like investing in stocks using fundamental analysis or investing articles; others like value or socially responsible investing choices. (Also known as ethical investing, green investing or environmentally responsible investing, this approach identifies attractive investments that also match your personal values or beliefs.)

Whatever your inclination, TradeKing makes it simple to research your investing choices online. And we're also ready to assist by phone. TradeKing's investing tools help you filter your opportunities intelligently. Your tax professional or financial advisor can also help you decide which investments are right for you.

Get your kids involved!

Investing with your kids is a great way to teach your children personal finance skills, while jump-starting their financial futures. Ask a TradeKing representative about account types and investments that could work for you and your family.

Changing jobs? Take your 401(k) with you.

If you're starting a new job, don't leave your 401(k) behind. In fact, a job change may present a great opportunity to Rollover Your 401K to An IRA | Convert 401K To An IRA. There can be short-term tax consequences when doing this, so be sure to speak with a TradeKing representative to learn more.

Try TradeKing today

A nationally licensed stock and options broker, TradeKing's aim is simple: we help self-directed investors like you become smarter and more empowered, every day. At TradeKing we offer the same fair and simple price to all our clients - just $4.95 per trade, plus 65 cents per option contract. You'll trade at that price, no matter how often you trade, or how big or small your account may be. Isn't that fair and simple?

SmartMoney gave TradeKing 5 stars for excellent customer service for 3 consecutive years from 2008 through 2010. The SmartMoney online broker survey ranks brokerages on interest rates, trading tools, banking amenities, research, investment products, customer service, commissions, and mutual funds.

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