您是否考虑过您的小型企业退休计划的IRA（个人退休账户）？您可能会专注于运行您的业务，跟踪在线的收入和费用vwin.com , and have little time to think about the future. So here’s a quick overview to help you.

第一步是回答question, “What is an IRA?”

什么是伊拉伊拉？

By definition, anIRA是一种用于储存退休资金的投资。它通常具有若干税收优势，而不是传统的储蓄策略（例如，储蓄账户，存款证书（CD））。税收休息使个人退休账户非常适合储存退休金，通常使用股票，债券和共同基金来持有资金。

You or your accountant can take a look at your financials to determine what funds may be available to invest for retirement.

Why create a retirement fund?

Many individuals are unable to live on their Social Security benefits and other income after retirement. Experts say we tend to spend 85% of what we spent when we were working, which is often more than our retirement income. Even folks with employer-sponsored 401(k) savings plans are simply no longer able to make up for the “funds beyond Social Security” that they need during retirement.

这就是为什么越来越多的人正在看退休计划and seeing the advantage of contributing to an individual retirement account. Aside from supplementing an existing retirement plan, an individual retirement account also provides a number of different tax breaks. And as an employer, individual retirement accounts can be less expensive than 401(k) plans.

As a small business owner, you can think about IRAs for yourself — and for your employees. Here are the bare bones facts about the most common individual retirement accounts.

Your IRA Options

Once you’ve answered the question, “What is an IRA?” you will need to consider your options. There are several kinds of individual retirement accounts, and most of the accounts have maximum annual contributions. The most popular are the Traditional IRA, the Roth IRA, the SEP IRA, and the SIMPLE IRA.

Traditional IRA

A traditional individual retirement account is basically a savings account where all tax payments are deferred. The account holder will only have to pay taxes when they start withdrawing money during their retirement. Theoretically, you end up paying less tax on that deferred income because your tax rate during retirement is likely to be lower than it was when you were working.

While you are accumulating investments in your individual retirement account, none of these investments are subject to taxes. That means interest payments, dividends from shares of stocks, capital gains, and other income from investments can grow faster since there are no tax deductions.

Roth IRA

With a Roth IRA, taxes are usually paid before the money is added to the account. Taxes are not collected when a withdrawal is made. That means that with a Roth IRA, you can grow your money without the need to pay taxes on the accumulating interest. Upon reaching retirement age, you can withdraw any or all of the money.

Unlike a traditional IRA, your funds are not taxed when withdrawn.

SEP IRA

A Simplified Employee Pension IRA orSEPIRA与传统的个人退休账户非常相似，但它专门用于自雇人员或小企业主人。SEP IRA账户在传统IRA中的主要优势是SEP没有最大贡献限额。

The Department of Labor (DOL) and theIRSboth offer detailed information on this type of IRA.

SIMPLE IRA

员工或员工的储蓄激励匹配SIMPLE IRAis basically the same as a SEP IRA. What makes it different, however, is that a SIMPLE IRA allows employees to make contributions to the account. It also makes contributions by employers a requirement, unlike some other IRA options.

Who can open an IRA account?

You’ve answered the question, “What is an IRA?” and you are aware of the options; but which options are you eligible for? Not everyone is eligible to have an individual retirement account. Generally speaking, an individual retirement account is a voluntary type of an account, and an individual can open one through a financial institution (e.g., brokerage firm, bank, mutual fund company).

各种伊拉克账户有自己的一组规则和资格，以便一个人必须在开立该类型的个人退休账户之前举行会议。大多数限制都基于收入金额或就业状况。有关最新信息的最新信息contribution ceilings等，检查IRS网站。

You will want to consult your tax professional or financial planner before making any decisions about an IRA. Crunch the numbers and see if an IRA is right for you and your business.

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