Individual Retirement Accounts (IRAs)

With an IRA, you’re able to save for retirement with tax advantages. IRAs allow you to choose among investment options like mutual funds, individual securities, and annuities.

How much should I save for retirement?

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/
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$
a year
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toward my retirement.
$
saved for retirement.

What’s the difference between a traditional and Roth IRA?

There are two common types of IRAs: traditional and Roth; each has different eligibility requirements, contribution limits, and tax benefits.

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Benefits of an IRA

IRA Tax Advantages
With a traditional IRA, your contributions may be tax-deductible and earnings in your account grow tax-deferred until you start distributions. A traditional IRA may be a good choice if you’re in a higher tax bracket now than you will be during retirement. With a Roth IRA, your contributions are made with after-tax money, so they are not tax-deductible, but earnings grow tax-deferred and withdrawals are tax-free, if certain conditions are met.1
Investment Flexibility

Both traditional and Roth IRAs allow you to choose from a range of investment options. Your IRA can hold mutual funds, annuities, and individual securities like stocks, bonds, and exchange-traded funds (ETFs).

Investors should only consider buying an annuity to fund an IRA for the annuity’s additional features, such as lifetime income payments, living benefits, and death benefit protection, since annuities do not provide any additional tax advantages when used to fund a qualified plan, such as an IRA.

How to open an IRA

A MassMutual financial professional will be with you every step of the way to help you prepare for the future.

    • Assess

    • During your initial phone call, your financial professional will ask you questions to understand your financial goals and objectives.

    • Recommend

    • After looking at your entire financial picture, your financial professional will provide you with options so you can choose the products and financial planning strategies that are best suited for your situation.

    • Purchase

    • If you're satisfied with the recommendations, your financial professional will secure the products and services to help ensure your financial future.

    • Review

    • Your financial professional will work with you over time through periodic reviews to help you monitor your investments and reach your financial planning goals.

Contact a financial professional

Why MassMutual

since

1851

we've been helping people secure their financial future and protect the ones they love

Nearly

$1.1T

of life insurance protection in force as of 12/31/25

Listed

#102

on the FORTUNE 500© list2

delivered

$10.3B

insurance and annuity benefits paid to policyowners and other customers in 2025

What's behind MassMutual's financial strength

1 You should carefully consider the age that you start taking withdrawals from any IRA since taxes and penalties may be assessed prior to age 59 ½.

2 From FORTUNE. ©2026 FORTUNE Media IP Limited. All rights reserved. FORTUNE 500 (June 2025) is a registered trademarks of FORTUNE Media IP Limited and is used under license. FORTUNE and FORTUNE Media IP Limited are not affiliated with, and do not endorse products or services of MassMutual.

The information provided is not written or intended as specific tax or legal advice. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

Securities offered through registered representatives of MML Investors Services, LLC, Member SIPC®(www.SIPC.org) and FINRA (www.FINRA.org) and a MassMutual subsidiary, 1295 State Street, Springfield, MA 01111-0001.