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Also keep in mind that withdrawing funds from any individual retirement account will cost you a pretty penny in penalties.
Choose an individual retirement account early and contribute as much as you can. While statistics assert the retirement age will most likely go beyond 62, considering what we know now, that figure may change considerably in the near future.

Source:

Many individuals are wondering if the 401K plans provided by their employers will be able to withstand the daily fluctuation of the stock market, and rightly so. Needless to say, these are uncertain times that may call for an alternate method to ensure one can retire.

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Another factor to consider is that with Roth IRAs, you can keep the funds in your account [url=http://www.golfwithashotgun.co.uk]barbour[/url] indefinitely whereas with the traditional individual retirement accounts, you have to withdraw by a certain month and day after you reach the age of 70½.
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