Make a contribution to your IRA to take advantage of tax-deferred or tax-free investment growth. Start by answering these three questions, and in a few minutes, you’ll be ready to open your IRA account.

	Traditional IRAs provide tax-deferred growth and, for some investors, a possible tax deduction.     Roth IRAs have the potential to provide tax-free withdrawals as well as tax-free growth. Use our Roth IRA Analyzer to find out which type of IRA may be right for you.
	Some experts estimate that you'll need 80% of your pre-retirement income to maintain your standard of living in retirement. While that number may vary to some extent, what should not be lost is the importance of consistently setting money aside over time. In addition, using tax-advantaged vehicles like an IRA may help investors achieve their goals, allowing more of their money to go toward investments and less on taxes. IRA Contribution Limits Tax year Under age 50 Age 50 or over 2012 $5,000 $6,000 2013 $5,500 $6,500 Calculate your retirement needs by entering your numbers into our Retirement Planner.
	If you are looking for a simplified approach to investing, consider one of our target date funds. In a single fund, you receive diversification across a range of asset classes and investment styles. Target date funds adjust to a more conservative asset allocation as the target date approaches. Choose the year you plan to retire and we'll do the rest.   Target 2050 Target 2025 Target 2045 Target 2020 Target 2040 Target 2015 Target 2035 Target 2010 Target 2030 Target Today We also offer a wide range of mutual funds. Search and learn about our no-load fund family, or take a peek at our 4- and 5-star fund list.

A word about risks: The target date represents the year in which investors may likely begin withdrawing assets. The funds gradually seek to reduce market risk as the target date approaches and after it arrives by decreasing equity exposure and increasing fixed-income exposure. The principal value is not guaranteed at any time, including at the target date.

Stock values fluctuate in response to the activities of individual companies and general market and economic conditions. Bond values fluctuate in response to the financial condition of individual issuers, general market and economic conditions, and changes in interest rates. In general, when interest rates rise, bond values fall and investors may lose principal value. The use of derivatives may reduce returns and/or increase volatility. Certain investment strategies tend to increase the total risk of an investment (relative to the broader market). This fund is exposed to foreign investment risk, mortgage- and asset-backed securities risk, smaller-company investment risk and allocation methodology risk (risk that the allocation methodology of the Dow Jones Target Date Index, whose total returns the fund seeks to approximate, before fees and expenses, will not meet an investor’s goals). Consult the fund’s prospectus for additional information on these and other risks.

Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses.

"Dow Jones^®" and "Dow Jones Target Date Indexes^SM" are service marks of Dow Jones Trademark Holdings LLC (“Dow Jones”); have been licensed to CME Group Index Services LLC ("CME Indexes"); and have been sublicensed for use for certain purposes by Global Index Advisors, Inc., and Wells Fargo Funds Management, LLC. The Wells Fargo Advantage Dow Jones Target Date FundsSM, based on the Dow Jones Target Date Indexes, are not sponsored, endorsed, sold, or promoted by Dow Jones, CME Indexes, or their respective affiliates, and none of them makes any representation regarding the advisability of investing in such product(s).