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IRA FAQs


Saving for retirement is one of the most common investment goals. Building your savings through an Individual Retirement Account (IRA) can be an important way to make progress towards those goals.

Consider opening an IRA in addition to your 401(k) or company pension to supplement your retirement savings. If you’ve changed jobs recently, you can transfer your 401(k) balance into an IRA.

You can invest in Dodge & Cox mutual funds directly through an IRA. Learn more about the different types of IRAs below to find the one best suited to your needs.

TRADITIONAL IRA:
An Individual Retirement Account (IRA) is a custodial account created to provide individuals a simple tax-advantaged way to accumulate funds for retirement. With a traditional IRA, you may contribute up to the maximum contribution limit for the year, and you may be able to deduct the contribution from taxable income, thereby reducing your current income taxes. Taxes on investment earnings are deferred until the money is withdrawn.

Traditional IRAs can be funded by contributions or by a transfer of assets from an IRA held with another financial institution.

Learn more about Traditional IRAs

OPEN A TRADITIONAL IRA

Roth IRA:
An Individual Retirement Account (IRA) is a custodial account created to provide individuals a simple tax-advantaged way to accumulate funds for retirement. With a Roth IRA, the contribution limits are essentially the same as for a traditional IRA, but there is no tax deduction for contributions. Earnings in the account are not taxed while held in the Roth IRA. Most importantly, you do not pay income taxes on qualified withdrawals from your Roth IRA, if certain requirements are met. Additionally, unlike a traditional IRA, there is no requirement that you begin making minimum withdrawals at age 72.

Roth IRAs can be funded by contributions or by a transfer of assets from an IRA held with another financial institution.

Learn more about Roth IRAs

OPEN A ROTH IRA

ROLLOVER IRA:
A Rollover IRA is an account that allows you to move funds from your old employer-sponsored retirement plan into an IRA. With an IRA rollover, you can preserve the tax-deferred status of your retirement assets, without paying current taxes or early withdrawal penalties at the time of transfer.

Learn more about Rollover IRAs

OPEN A ROLLOVER IRA

Inherited IRA:
An inherited IRA (or beneficiary IRA) is a type of IRA that is opened by an IRA beneficiary when inheriting a retirement plan account following the account owner's death. The IRS has outlined rules governing the handling of inherited IRAs as it relates to contributions and withdrawals. Generally, the rules vary depending on if the inheritor is a spousal heir or a non-spouse heir.

Learn more about Inherited IRAs

OPEN AN INHERITED IRA

SEP IRA:
A SEP IRA (Simplified Employee Pension) is a retirement savings plan established by employers—including self-employed people—for the benefit of their employees and themselves. Employers may make tax-deductible contributions on behalf of eligible employees to their SEP IRAs.

OPEN A SEP IRA

If you have any additional questions, please call a Dodge & Cox Funds Client Services Representative at 800-621-3979.

For answers to commonly asked questions regarding IRAs, please review our IRA FAQs page.

If you require specific information concerning your individual financial situation, please consult with a financial planner or tax advisor. Dodge & Cox Funds do not offer financial planning or tax advice.

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need more help?
Reach our IRA specialists at
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