Individual Retirement Accounts (IRAs)

Do more for your retirement with a tax-advantaged IRA.

Why an IRA May Be Right for You

Whether retirement is right around the corner or years away, an IRA can play an important role in your overall retirement strategy. Beyond tax advantages, an IRA offers flexibility and control, helping you save and invest in a way that aligns with your goals. When used alongside an employer-sponsored retirement plan, an IRA can help you build a more complete approach to planning for your future.

Types of IRA Accounts

Explore which type of retirement account fits you and your goals

Traditional IRA

If you have earned income, a Traditional IRA may be right for you.

  • Immediate tax advantages; contributions may be tax-deductible and earnings remain invested tax-deferred.
  • Taxes are due at the time of distribution/withdrawal.
  • No maximum income limits for eligibility.
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Learn more about Traditional IRA

Roth IRA

If you’ve earned income below a certain threshold set by the IRS, a Roth IRA may be right for you.

  • Though contributions are made after-tax, earnings remain invested tax-free.
  • Withdrawals are tax-free in retirement; there is no tax on qualified distributions after age 59½.
  • May be more appropriate for those with growing income potential (who may be taxed at a lower rate now versus in retirement).
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Learn more about Roth IRA

Need help getting started?

A PNC Wealth Management financial advisor can help you understand how IRAs fit into your broader retirement plan and support you as your goals and life evolve. Start a conversation

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Rollovers and Transfers

Retirement Plan Options When Leaving an Employer

If you're changing jobs or retiring, be sure to consider the assets you've accumulated in your employer-sponsored retirement plan, such as a 401(k) plan.

There are four different actions you can take with assets invested via a previous employer’s retirement plan. These include leaving the assets where they are, moving the assets to a new employer’s plan, cashing out, and rolling the assets over to a Traditional or Roth Individual Retirement Account (IRA).

Learn More About Options When Leaving an Employer

Tools and Resources

Explore our calculators, guides and tips to stay on track

Compare IRAs

Need help choosing an appropriate IRA for you? Use this tool to find out what kind of IRAs you may be eligible for, and compare the pros and cons of each type.

Compare IRAs

Retirement Calculator

Get a sense of how much you'll need to live in retirement, how your current assets stack up, and if you need to start saving
more for retirement.

Assess your Situation

Retirement Planning Guide

Use our online tool to educate yourself on the different accounts you can use for your retirement planning.

Retirement Planning Basics

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