Desert Schools Iras Are A Great Personal Retirement Planning Option

By Author: DS Bug
Total Articles: 4
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You work hard all your life and looking ahead to future and your personal retirement planning is very important. After all, you have worked hard and now is the time to enjoy your time and do all those things you have wanted to for so long. You deserve to be able to maintain or, even better, enhance your lifestyle well beyond your working years. Investment retirement accounts (IRAs) are a reliable option for earning money on the funds you put aside.

A Desert Schools Traditional IRA may be a good option for you if:

- Are you interested in starting a steady savings toward a comfortable retirement?

- Are you searching for a way to rollover or transfer from a previous IRA?

- Want to leverage tax-deferred earnings and a possible tax deduction?

A Desert Schools Traditional Investment Retirement Account (IRA) empowers you to prepare for the retirement you have in mind, by making periodic contributions through a direct payroll deduction or over-the-counter deposit. The competitive rate and tax-deferred dividends improve your earning potential.

Another alternative when you are considering your ...
... personal retirement planning is a Desert Schools Roth Investment Retirement Account (IRA). Roth IRAs let you concentrate on earnings, by getting taxes out of the way up front. The competitive rate and tax-free growth put you on track for retirement. You also have more options for when and how you use your funds.

A Desert Schools Roth IRA may be a good choice for you if:

- Does tax-free growth sound appealing?

- Prefer to make after-tax contributions with no mandatory distribution age?

- Interested in a flexible way to rollover or transfer from a previous IRA?

With both the Traditional IRA and Roth IRA you may contribute up to $5,000 annually ($10,000 per married couple) for 2010.

Contributions may be made up to April 15 of the following year.

Both the Desert Schools Traditional IRA and Roth IRA offer:

- No monthly or annual fees

- No minimum deposit

- No minimum balance

- No early withdrawal penalty from Desert Schools

- Free Online Banking, eStatements and PAL

For more information you should speak with a representative of Desert Schools Financial Services, a wholly-owned subsidiary of Desert Schools Federal Credit Union, about a Traditional IRA for your retirement planning for personal growth and security.

Source: Desert Schools Blog