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IRA-based plans for small businesses

Getting the retirement you want could be easier than you think.

An IRA can be a great way to plan for the future. Whether you're looking to supplement another retirement plan or want to start investing for retirement, COUNTRY Trust Bank® is here to help you understand your options and make smart decisions.

Select an option below to learn more

SEP IRA

A SEP can help your business stand out with an easy retirement plan you can offer your employees.

SIMPLE IRA

Designed specifically with small businesses in mind, a SIMPLE IRA can help perk up your benefit plan.

Find the Right Plan

Answer a few questions to find a plan that fits your business and choose a design that meets your specific needs.

Choosing an IRA

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“Goodbye tension, hello pension."

That certainly captures the feeling of freedom that comes with the idea of what retirement may be like. There's only one problem. Defined benefit pension plans – those are the ones that guarantee a monthly benefit at retirement, mostly all on the employer’s dime – are going the way of the dinosaur. In fact, only 18% of Americans employed in private industry were covered by a pension plan in 2011.

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So what’s a hard-working person supposed to do?

Certainly, you should participate in your workplace 401(k) if you have one. But there are additional ways to prepare for retirement, and a favorite is the tax-advantaged Individual Retirement Account, commonly known as an IRA. Even if you participate in a retirement plan at work, you can probably start an IRA, and you might be able to contribute to an IRA for a non-working spouse, too.