【正文】
sinesses that could bee highly profitable and provide a high return Slide 9 What Are Individual Retirement Account Options? 112 MediumRisk Choices ? An IRA allows you to deposit money into an account during your working years and withdraw it upon retirement. ? SEP accounts are taxdeferred retirement plans for small businesses. ? Keogh accounts are taxdeferred retirement plans for selfemployed professionals, such as doctors and lawyers. Slide 10 What Retirement Plans Are Available through Employers? 112 MediumRisk Choices ? Definedcontribution plans o 401(k) plans: taxdeferred plans for profitseeking businesses o 403 (b) plans: taxdeferred plans for government and nonprofit anizations ? Definedbenefit plans o Pension plan ? Retirement accounts may be portable, meaning you can take the account with you when you leave a job. Slide 11 Success Skills 112 MediumRisk Choices ? Set up a spreadsheet to show purchase price and change in value of investments. ? Track investments over time. ? Use it to pare investments. ? Use it to help decide when to change your investment strategy. ? Use Excel