Smarter Retirement Starts with TradeUP IRAs

Planning for your financial future begins with the right tools—and with TradeUP IRAs now available, you have a powerful way to grow your retirement savings with flexibility, tax advantages, and expert support. Whether you’re just starting your journey, rolling over an old 401(k), or optimizing your long-term plan, TradeUP gives you the freedom and confidence to build wealth your way.

Tax-Friendly Growth Options

IRAs provide meaningful tax advantages to help your investments grow more efficiently:

  • Traditional IRA: Contributions may be tax-deductible depending on your income and eligibility. Earnings grow tax-deferred, so you don’t pay taxes until you make withdrawals in retirement.
  • Roth IRA: You contribute with after-tax dollars, but your investment grows tax-free, and qualified withdrawals in retirement are also tax-free.
  • Rollover IRA: Designed for transferring funds from an employer-sponsored plan like a 401(k) into an IRA without tax penalties. It retains the tax-deferred status of the original account and gives you more investment flexibility.

Together, these options allow you to choose a strategy that fits your current tax situation and long-term goals. Always consult a tax professional to determine what’s best for your needs.

Expanded Retirement Savings

IRAs allow you to save more for retirement beyond employer-sponsored plans. Even if you already have a 401(k), contributing to an IRA can boost your total retirement savings. The IRS sets annual contribution limits, and if you qualify for both a Traditional and Roth IRA, you can choose the option that best fits your situation—or split contributions between both.

Greater Investment Flexibility

One of the standout benefits of an IRA is the control it offers over how your money is invested. With most IRAs, you can choose from:

  • Stocks
  • Bonds
  • ETFs and mutual funds
  • Real estate investment trusts (REITs)
  • Even alternative assets (with some custodians)

This wide range of choices gives you the ability to tailor your portfolio based on your goals, timeline, and risk tolerance—unlike many employer-sponsored plans that offer limited options.

Protection from Creditors

In many states, IRA assets are protected from creditors under bankruptcy laws. While the level of protection can vary by state, this feature can offer additional peace of mind—helping to safeguard your retirement savings from unforeseen financial challenges.

No Required Minimum Distributions for Roth IRAs

Unlike Traditional and Rollover IRAs, which require minimum distributions starting at age 73, Roth IRAs have no RMDs during the account holder’s lifetime. This means your money can continue growing tax-free for as long as you like—and you can leave it untouched for heirs if desired.

Portability Through Rollover IRAs

A Rollover IRA is ideal for consolidating old retirement accounts when you leave a job or retire.

  • Roll over your 401(k) or 403(b) into an IRA to maintain tax-deferred growth.
  • Avoid early withdrawal penalties and simplify account management.
  • Access a broader range of investment choices than typical employer plans offer.

This option keeps your retirement strategy on track without losing momentum when life transitions occur.

Start Building Your Future Today

Opening an IRA is more than just a retirement move—it’s a powerful step toward long-term financial freedom. Whether you’re looking for tax efficiency, investment control, or rollover flexibility, an IRA can help you stay in control of your financial destiny.

Ready to take advantage of TradeUP IRAs?


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Disclaimer: The information on this post is for educational purposes only and should not be considered as tax advice. Please consult with a qualified tax advisor for personal tax guidance. The information contained in this material is for informational purposes only and is not intended to provide professional, investment, or any other type of advice or recommendation, nor does it create a fiduciary relationship. TradeUP does not make any representation or warranty, express or implied, regarding the accuracy, reliability, completeness, appropriateness, or sufficiency of any information included in this material. Certain information may have been provided by third-party sources, and while believed to be reliable, it has not been independently verified by TradeUP. Any investment decision should not be made solely in reliance on this material, as the information is subject to change without notice. Securities and derivatives transactions involve the risk of loss, including loss of principal. Past performance is no guarantee of future results. It is important to carefully consider the potential benefits and risks involved before making any investment decisions. Terms and Conditions apply when opening up an account. Visit TradeUP.com for details. Carefully consider all risks before investing, as investing in securities can lead to loss. © 2025 TradeUP Securities, Inc.