	Traditional IRA

	Roth IRA

	Rollover IRA

	Spousal IRA

	Compare Your Options

Making the Most of Your IRA

	Start Early

	When to Make Your Contributions

	Don't Worry About Taxes

	Contribute the Maximum

	Stocks Matter - Now and Later

	Invest Regularly

Should You Convert to a Roth IRA

Frequently Asked Questions

Test Your Knowledge

Test Your Knowledge: IRA Investing

The following quiz is a review of the material on Traditonal, Roth IRAs, Rollover, and Spousal IRAs. If you have trouble with a question, refer back to the appropriate article for help.

Contributions and earnings in a traditional IRA grow ( ).

Tax-free.

On the north side of a tree.

With guaranteed results.

In a tax-deferred account.

Contributions to a Roth IRA are ( ).

Tax-deductible if your income is less than $150,000 per year.

Tax-deductible if you keep working after retirement.

Not tax-deductible.

Good money after bad.

Contributions to a rollover IRA ( ).

Do not have a limit.

Will continue to grow tax-deferred.

Can come from a previous employer's retirement plan.

All of the above.

Withdrawals from traditional IRAs must ( ).

Be made on Mondays, Wednesdays, or Fridays.

Begin by age 70½.

Be completed before you die.

Be in increments of $100.

You can withdraw your contributions to a Roth IRA ( ).

Only after age 71.

At any time without tax or penalty.

Only in a month with five Mondays.

After you pay income taxes and a penalty.

Spousal IRAs are designed for ( ).

Non-working spouses.

Working spouses that cannot fully fund an IRA account on their own.

Couples that cannot decide what their retirement plan should consist of.

A and B.

( ) are good investment products to consider for traditional IRAs.

Tax-free bonds.

Rental houses.

Products that may ordinarily generate tax bills, such as income-producing stocks and aggressive growth mutual funds.

Baseball cards.

You can pass your Roth IRA to your heirs ( ).

Tax-free within the guidelines.

But why would you want to.

Only after age 70½.

Before you die.

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