Compare Individual Retirement Accounts

Traditional or Roth? Which one is right for you?

Please consult your tax advisor for more information regarding your individual situation.

  1. AGI is an abbreviation for "Adjusted Gross Income."
  2. If you are in an ERP program, the allowed deduction is reduced when AGI exceeds certain limits set by IRS.
  3. The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.

 

Bank IRAs

  • Offered through American Savings Bank
  • FDIC-insured accounts
  • Fixed CD term or Savings available
  • Available through branches

Brokerage IRAs

  • Offered through American Insurance and Investments
  • May invest in stock, bonds, mutual funds and annuities
  • Tailored to your investment strategy
  • Not FDIC insured

 

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Registered address and phone number: American Insurance and Investments, 1215 Hunakai Street, Honolulu, Hawaii 96816, toll-free (888) 343-5534.

Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Insured by any Federal Government Agency
Not a Bank Deposit
 

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This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.

 
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