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Compare IRAs

With a full range of IRAs to choose from, you can save for retirement while receiving tax benefits.

Traditional IRA

You may receive tax benefits, and enjoy tax-deferred growth, and generally, you pay taxes when you withdraw money in retirement.

Roth IRA

Potential to earn tax-free income and greater withdrawal flexibility in retirement (No RMDs required for original account owner).


Thinking of rolling over a 401(k), 403(b), IRA or SEP IRA? Rolling over funds at Merrill offers a convenient way to maintain your retirement plan's tax deferred status while consolidating your retirement assets into one easy-to-manage account. Consider all of your choices and learn if a rollover may be right for you.Footnote 1
See which IRA may best meet your needs.

Traditional or Roth?

Answer a few questions and the IRA Selector Tool will help you find out which IRA may be right for you and how much you can contribute.
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You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over an employer-sponsored plan from your old job to your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information on rolling over your IRA, 401(k), 403(b) or SEP IRA, visit our rollover page or call a Merrill rollover specialist at 888.637.3343.