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Learn what an ira is, how it works, and compare the 4 main types—traditional, roth, sep, and simple iras—with key rules on contributions, tax benefits, and withdrawals. A roth ira can also be an individual retirement annuity, which is an annuity contract or an endowment contract purchased from a life. Learn more about iras and how these retirement savings accounts can help you save for your retirement.

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So, what is an ira account A roth ira can be an individual retirement account containing investments in securities, usually common stocks and bonds, often through mutual funds (although other investments, including derivatives, notes, certificates of deposit, and real estate are possible) Here's what to know about the various types of iras.

Find out what an ira is, what it offers, and how the three main types differ

Unlike a regular investment account, the irs gives you special tax breaks to encourage its usage.