Is a Roth IRA Right for You?
Factors to consider

A number of factors must be considered in deciding if a Traditional IRA or Roth IRA is more advantageous for you. Some factors are:

  • How long will funds remain in your Roth IRA before being withdrawn?
  • What tax rate will apply to you when withdrawals are made?
  • Will the federal government change tax rates in the future?
  • What is the amount of the tax on a conversion of a Traditional IRA and the source from which it is paid?

Learn more about Converting to a Roth IRA..

You should consider the investment objectives, risks, and charges and expenses of the variable annuity contract and the underlying investment funds carefully before investing. This and other information is contained in the contract prospectus or brochure and underlying funds prospectuses and summary prospectuses, which can be obtained by calling 1-866-954-4321 or visiting mutualofamerica.com.

Mutual of America's IRAs are individual variable annuity contracts and are suitable for long-term investing, particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the Separate Account investment funds you choose. Upon redemption, you could receive more or less than the principal amount invested. A variable annuity contract provides no additional tax-deferred treatment of benefits beyond the treatment provided to any qualified retirement plan or IRA by applicable tax law. You should consider a variable annuity contract’s other features before making a decision.

Form IRA-2004 or applicable state variation.



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