Traditional IRA Features & Benefits

No commission or transfer fees.
No surrender or withdrawal charges. There is a contract fee (unless you elect to receive documents electronically), and investments in the Separate Account investment funds are subject to Separate Account charges and underlying funds investment management fees and expenses. Withdrawals of pre-tax contributions and earnings are subject to income tax at your ordinary income tax rate at the time of withdrawal, and may be subject to a 10% tax penalty, unless taken after reaching age 59½, death, disability or if another exception applies.
No front-end sales loads.
There is a wide array of Investment Funds and an Interest Accumulation Account from which to choose.
Unlimited allocation changes and transfers (subject to Mutual of America's Frequent Transfer Policy).
24-hour access to account information via our toll-free phone number and this website.
Comprehensive quarterly statements and informative newsletters.
Mutual of America offers a variety of options for withdrawing your money, based on your specific needs for retirement income. Learn more about Turning Your Retirement Savings into Retirement Income.

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 and underlying funds prospectuses and summary prospectuses, which can be obtained by calling 800.468.3785 or visiting mutualofamerica.com. Read them carefully before investing.

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 options 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 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
Form INHER IRA-2010 or applicable state variation

Traditional IRA Features & Benefits

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