Interest Account & Investment Options

Choosing the right mix
Mutual of America's Roth IRA permits you to allocate your money among an Interest Accumulation Account and a range of Separate Account investment funds. The availability of a number of investment choices recognizes that people have different comfort levels with respect to risk and return, as well as different goals regarding retirement. The Interest Accumulation Account and Separate Account Accumulation investment funds available under Mutual of America's IRA allow you to choose the mix of equity, fixed income, or balanced options that best suit your personal risk tolerance and financial goals.

You direct Mutual of America to place your Roth IRA contributions in one or more of these Separate Account investment funds or in the Interest Accumulation Account. Some of the Separate Account investment funds are internally managed by Mutual of America Capital Management LLC, the others by carefully selected outside investment companies.

The performance of the Separate Account investment funds is not guaranteed, and any assets allocated to them may decrease or increase in value.

View Morningstar RatingsTM for the Separate Account investment funds available under the Roth IRA contract.

Interest Account

Mutual of America Interest Accumulation Account

Amounts placed in the Mutual of America Interest Accumulation Account are credited with interest at a rate determined by Mutual of America.

Investment Options

Review the Investment Performance for Traditional IRA, Roth IRA, Inherited IRA, and Flexible Premium Annuity Separate Account No. 2 investment funds.*
View contract prospectus or brochure and prospectuses of the underlying funds.
Review detailed information for each investment fund by selecting from the list below.


Mutual of America Life Insurance Company's group and individual variable annuity contracts allow for contributions to be allocated among the insurance company's General Account and a wide array of Separate Account investment funds. The Separate Account investment funds purchase shares of underlying mutual funds or portfolios, which include the 27 funds of the Mutual of America Investment Corporation; Fidelity® Variable Insurance Products Portfolios: Mid Cap, Equity-Income, Asset Manager and Contrafund®; Vanguard Variable Insurance Fund Portfolios: Diversified Value, International, Total Bond Market Index, and Real Estate Index; American Century VP Capital Appreciation Fund; American Funds Insurance Series® New World Fund®; Calvert VP SRI Balanced Portfolio; DWS Capital Growth VIP; Oppenheimer Main Street Fund®/VA; PIMCO Variable Insurance Trust Real Return Portfolio; T. Rowe Price Blue Chip Growth Portfolio; and MFS VIT III Mid Cap Value Portfolio. These underlying funds or portfolios sell their shares to separate accounts of insurance companies and are not publicly available. Some contracts issued under retirement plans limit the available Investment Funds or restrict their use when contributions for a participant have not vested to the participant.

*Mutual of America Separate Account No. 2 is available under group annuity contracts for Tax-Deferred Annuities, Section 457 plans, and Thrift plans, and under individual annuity contracts for Individual Retirement Annuities and Flexible Premium Annuities. Additional information on Mutual of America Separate Account No. 2 and our variable annuity contract can be found by downloading the prospectus below.

Learn more about Transfers.

Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and the underlying investment funds. This and other information is contained in the contract prospectus or brochure and underlying funds prospectuses and summary prospectuses. Please read the contract prospectus or brochure and underlying fund prospectuses and summary prospectuses carefully before investing. The contract prospectus or brochure and underlying fund prospectuses and summary prospectuses can be obtained by mail or by calling 1-800-468-3785.

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 carefully consider a variable annuity contract’s other features before making a decision.

Form IRA-2004 or applicable state variation.

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