IRA America Member Benefit Roth

Member Benefit ROTH

More Earnings on your Savings Will Grow Tax-Sheltered

Transfer $2,000, if eligible for the ROTH, from regular savings to a ROTH
Earn a Higher and Insured Yield and Keep All of It!

Regular Savings
Annual Federal After Tax Earnings
Earnings Income
Taxes To Reinvest (Compound)

100%
15%
85%

100%
28%
72%

100%
31%
69%

100%
36%
64%

100%
39.6% 60.4%

ROTH Savings
Annual Federal After Tax Earnings
Earnings Income
Taxes To Reinvest (Compound)

100%
-0-
100%

	Annual Federal	After Tax Earnings
Earnings	Income Taxes	To Reinvest (Compound)
100%	15%	85%
100%	28%	72%
100%	31%	69%
100%	36%	64%
100%	39.6%	60.4%

	Annual Federal	After Tax Earnings
Earnings	Income Taxes	To Reinvest (Compound)
100%	-0-	100%

If your savings goal is to:

Keep 100% and tax-free access to your savings yet not pay taxes on the earnings on these savings.
Just reduce the Federal income taxes on the earnings on some of your regular savings.
Save in a tax-shelter to buy a first home as these savings will grow faster. You have not owned a home for over two years.
Use a tax-shelter which will grow faster to build a college education fund that you will still have 100% and tax-free access to at any time.
To build a tax-sheltered retirement fund which will have no future income tax liability, no requirement to take the money out at 70 ½ unless you want it and to leave these funds to heirs income tax-free.