Downey Savings - Deposit Accounts

	Roth IRA
	Rollover IRA
	Contributory IRA
	Simplified Employee Pension Plan (SEP)
	Profit Sharing/Money Purchase Plan
	Savings Incentive Match Plan For Employees (SIMPLE)
	IRA Tools

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Invest in your future and your peace of mind with a retirement account. Let us help you pick an IRA Plan that’s right for you. You can contribute as little as $100 to get started. The interest you earn is tax-free until you withdraw your funds*. Please call your tax advisor for details on tax deductibility rules and filing deadlines.

FOR INDIVIDUALS

Roth IRA for potential tax-free earnings.
Rollover IRA for distributions from qualified plans.
Contributory IRA for easy retirement savings.

FOR BUSINESS

Simplified Employee Pension Plan (SEP) for small businesses.
Profit Sharing/Money Purchase Plan employer-sponsored plan allowing larger contributions.
Savings Incentive Match Plan For Employees (SIMPLE) employer-sponsored plan for businesses with 100 or fewer employees.

* If funds are withdrawn prematurely, they may be subject to income tax, if the owner is under age 59½, and a 10% premature distribution penalty.

Downey Savings does not provide legal, accounting or tax advice. Please consult with a qualified attorney, financial advisor, or tax advisor to understand how this information may apply to your own personal or business situation.

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