Forge Trust

Types Of Self-Directed IRAs

Traditional Individual IRA

A traditional IRA is a tax-deferred retirement savings account. Dividends, interest payments and capital gains compound each year allowing a Traditional IRA to grow faster than a taxable account. Assets accumulated in previous employer-sponsored accounts such as a 401(k) are sometimes “rolled-over” into a Traditional IRA, sometimes referred to as a “Rollover IRA.”

Roth IRA

A Roth IRA is a tax advantaged retirement savings account that can be funded with after-tax earned income. Funds deposited in the account grow tax-advantaged similar to a Traditional IRA but when withdrawals are taken as Qualified Distributions they are tax-free.

SEP IRA

A SEP IRA is a tax-deferred retirement savings account for self-employed individuals and small business owners. Contributions are tax-deductible until investments are withdrawn.

SIMPLE IRA

A SIMPLE IRA is a tax-deferred compensation incentive match plan for employees. Your investment grows tax-deferred until withdrawn.

Individual 401(k)

Individual 401(k) also referred to as a Self-Employed 401(k), Solo 401(k), or Solo-k is a retirement plan covering a business owner with no employees, or the owner and his or her spouse. These plans have the same rules and requirements as any other 401(k) plan.

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