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How Much Can I Save?
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Tomorrow Starts Today
Look ahead to retirement with confidence: open an IRA by April 15
An IRA is a smart way to save for retirement. It can help minimize taxes and maximize your savings. The sooner you start, the better. Because of its tax advantages, it's important to have an IRA as part of your retirement plan.- Tax-deferred growth - Your IRA earnings are not taxed each year, providing more growth potential
- Accumulate more - Your IRA will grow faster over time since earnings are compounded
You can contribute to an IRA to supplement your retirement savings even if you have a 401(k). We can also help you rollover your retirement accounts into an IRA at Affinity. Our Financial Advisors will give you unbiased guidance and create a plan that's based solely on what's right for you.1
Don't wait. Open an IRA by April 15 to maximize your 2009 tax advantage and get started with your 2010 contributions.
Learn About IRAs
For most investors, the place to start is the IRA. Learn more about IRAs and how they may fit into your investment portfolio.IRA Rollovers
If you are changing jobs, retiring or leaving a job, it may be a great time to consolidate your investments into a rollover IRA. There are many options for a rollover, and with the Rollover Review, you get a personal Financial Advisor to manage the process and evaluate your investment position. Your advisor will:- help you understand your investment options
- assist you in the transfer of stock
- discuss tax ramifications
- review your estate planning options
IRA Products
Whether you're looking to open a new IRA, rollover or consolidate an existing IRA, Affinity can help you achieve your goals.
Beginning January 1, 2010, the modified adjusted gross income restriction of $100,000 or less has been eliminated for conversion of a Traditional IRA, SIMPLE IRA and retirement plan assets into a Roth IRA. This means that all taxpayers can now take advantage of converting to a Roth IRA. Contact your Affinity Financial Advisor for more information.
| Description | Benefits | Terms | ||
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| IRA Investment Opportunities1 | Affinity Financial Advisors will help you choose the best IRA based on your personal needs, including:
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Contact a Financial Advisor Open or Service an Account |
| IRA Accumulator3 | A great account to jumpstart your savings |
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| IRA Money Manager3 | Money market account with steady returns and minimal risk |
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Rates Open & Service Accounts |
| IRA Certificate Accounts3 | Guaranteed rate of return with great flexibility |
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Get Started
For advice and information on IRA investment opportunities, contact an Affinity Financial Advisor online or by phone at 888.734.1300.
To open new and service existing other IRA accounts, as well as Coverdell ESA accounts, visit the IRA Service Center, contact our Member Service Center, or visit any branch location.
1 Securities offered by Affinity Investment Services, LLC, 73 Mountain View Boulevard, Basking Ridge, NJ 07920, member FINRA/SIPC. Investments offered by Affinity Investment Services are not deposits or obligations of Affinity Federal Credit Union. They are NOT NCUA INSURED and NOT GUARANTEED by Affinity Federal Credit Union or any governmental agency and are subject to INVESTMENT RISK, including LOSS of PRINCIPAL. Investments may lose value. Affinity Investment Services, LLC is a wholly owned subsidiary of Affinity Federal Credit Union. Business Continuity Disclosure Statement.
2 Information provided by calculators is for illustrative purposes only. Information displayed may vary from your actual loan, mortgage, investment, or savings results. Interest rates are hypothetical and are not meant to represent any specific investment. Rates of return will vary over time, particularly for long-term investments. The calculated results are not guaranteed to be accurate and are in no way endorsed, offered or guaranteed by Affinity Federal Credit Union.
3 IRA Accumulator, IRA Money Manager & IRA Certificate Accounts are insured by the NCUA up to $250,000.
