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Having your own individual retirement account can be a great way to plan for your future once your time in the working world is over, but it can also provide a certain degree of confusion with respect to the various rules and guidelines that you have to follow. And though the income level requirements and contribution limits are fairly straightforward and easy to understand, some of the IRA withdrawal guidelines may be a little less well known. Before you even set up an IRA, it is important for you to understand exactly when and how you may withdraw money from your account.

IRA benefits

There is no denying that IRAs are a great way for the average working person to save money for retirement. Because they are designed to allow you to grow your money free from the reach of the tax authorities, IRAs have become a popular investment tool for many people in the United States today. Roth IRAs are taxed at the point of contribution, while traditional IRAs are taxed upon withdrawal. In every case, however, the interest and capital gains earned on the contribution amounts is tax-free. When you make an IRA withdrawal there are important factors that you need to take into consideration.

Penalties, penalties

If you have had contributions that were not considered tax deductible at the time you made them, then you can generally make an IRA withdrawal without fear of fines or penalties. If, on the other hand, you are thinking about withdrawing ordinary deductible contributions, the IRA withdrawal rules come into effect immediately and govern what you can and cannot do with your money. For instance, all of your withdrawals are going to face the standard income tax burden. In addition, if you are under the age of fifty-nine and a half, you will also be taxed with an early withdrawal penalty of ten percent. If you are fortunate, though, you will fall into one of the categories that constitute exceptions to this rule.

These categories include anyone who has died prior to reaching the proper age for penalty-free withdrawal, and those who become disabled prior to that time. You are also permitted to use an IRA withdrawal to pay any of your medical bills, provided that those expenses are determined to be allowable under IRA rules. You can also withdraw funds for the pursuit of a college degree or other technical training, and even to assist you in purchasing a first home – as long as the amount is no more ten thousand dollars.

Empty account and no growth

The worst aspect of making an early IRA withdrawal has to do with the impact it has on your overall growth plan. Obviously, money that is taken from your account stops earning for you. If you are forced to withdraw money earlier than you intended when you set up the account, there are no rules or options in place for you to ever make up that lost investment ground. Your IRA simply will never recover from an early IRA withdrawal – and that may, in turn, destroy your carefully established retirement plan.

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The simplest way of dispelling the confusion is to simply say that an IRA is not an investment tool in and of itself – it is, rather, a tool through which other investments are made. For that reason, asking what the best IRA rates might be misses the whole point of having an IRA.

What they are

IRA rates are a meaningless term within the overall IRA debate, simply because they do not exist. Unlike the interest rate on certificates of deposit, or the rates at which certain bonds appreciate, an IRA is simply an account into which you make regular contributions. During the lifetime of the account, you never have to pay interest on the accounts earnings – as you do with a savings account at a bank – and are able to make annual contributions of as much as $6,000. There is, however, no set rate at which your IRA earns money on those contributions.

What they are not

Here is where people get confused about the whole IRA rates issue. For many, it is a little like asking their broker which stock will make them the most money. Obviously, if the broker knew which stocks were going to do what at any given time, he or she would be sitting on Easy Street rather than in an office talking to you. IRAs are not like stocks – although some IRA accounts do invest in the market and other types of investments. The typical IRA account is generally administered by your bank, which invests the funds in certificates of deposit. While these Cd’s do pay a rate of interest that does not mean that there is such a thing as IRA rates.

Now, if you were to question your account manager as to what the current rate for Cd’s is, he or she can easily provide that information. You can, therefore, think of your account’s CD rates as your IRA rates, but the comparison is hardly appropriate. Since the Cd’s in which you might be invested are purchased at different times and different rates of interest, there will never be a uniform rate to be considered. For that reason, it is just simpler to do away with the entire notion that there are rates for IRAs. It is better to think of them as a vehicle for your investment needs.

In the end, the important thing about your IRA account is not whether or not there are set IRA rates, but how consistent you are in making your allowable contributions, and that you plan your retirement account activity to ensure that you don’t have to make early, unplanned withdrawals. When those factors are kept in the forefront of your planning process, your account will do what it is supposed to do: put your money to work so that you have the retirement fund you need when you need it most.

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