Traditional IRA

Offered by PNC Investments

If you’ve earned income and are younger than age 70½, a Traditional IRA may be the appropriate choice. Contributions to a Traditional IRA have the potential to grow tax-deferred until the money is withdrawn.

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Key Features
Tax Advantages

Contributions may be tax-deductible

Benefits of Compounding

Earnings remain invested tax-deferred, allowing investments to compound

No Maximum Income Limits

Anyone under the age of 70½ with earned income can contribute

Compound Growth: Definition

The process in which an asset's earnings are reinvested to generate additional earnings over time


Features & Benefits

  • Immediate tax advantages; contributions may be tax-deductible
  • Earnings remain invested tax-deferred, allowing your retirement investments to compound
  • Select from a wide array of investment options
  • No maximum income limits for eligibility, no minimum contribution required to open an account
2 Ways to Manage Your Traditional IRA

Option One: Brokerage Plus

For clients who like flexibility when it comes to managing investments – plus the convenience of independent, online trading.

  • Access a broad range of equities and ETFs for $4.95 per online trade
  • Access thousands of mutual funds, including commission-free NTF funds
  • Work with a team of support professionals via phone, to provide help with transactions or answer questions
  • View account information online, including electronic statements
  • Learn more about Brokerage Plus
Contributions & Withdrawals

Associated Products & Services

The following information may be provided by PNC Investments affiliates, including PNC Bank, PNC Wealth Management® or PNC Institutional Asset Management®.

PNC Directions®

PNC Directions is a mutual fund and exchange traded fund (ETF) advisory program designed for investors taking those first steps toward achieving their financial goals. This account makes the process of investing easy and accessible by utilizing mutual funds and ETFs managed by our affiliates.

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Roth IRA

If you meet certain income qualifications, you can use a Roth IRA to invest towards your retirement with tax-free earnings, with potential tax-free withdrawals in retirement.

Learn More »

Capital Directions®

Capital Directions, a unified managed account program, was designed for clients who prefer to consolidate and manage investments in an efficient, single account structure.

Learn More »

Important Legal Disclosures & Information

This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.

Important Investor Information: Brokerage and insurance products are:

Not FDIC Insured • Not Bank Guaranteed • Not A Deposit
Not Insured By Any Federal Government Agency • May Lose Value

Securities products, brokerage services and managed account advisory services are offered by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency.

View the PNC Investments Business Resiliency Planning Customer Disclosure.

This document provides information on additional compensation that PNC Investments receives from certain mutual fund companies, 529 plan program managers and insurance companies.

This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.

PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.

PNC Investments LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.