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Roth IRA from SunTrust Bank

Roth IRA contributions aren't tax-deductible, but you won't pay taxes when you take the money out in retirement. Here are some of the basic rules: Individuals can contribute up to $5,000 in 2008 (though certain income limitations do apply). You can withdraw your contributions at any time without penalty, and you can begin withdrawing earnings as long as the Roth has been open at least five years and you've reached aged 59 ½. There are no annual fees.

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