 TITLE: How to Open an IRA in 3 Easy Steps CONTENT: Additional Ways to Invest for Retirement\n----------------------------------------\nIf you aren't eligible for a traditional IRA or have exceeded contribution limits for the year, consider opening or funding a regular investment account to grow your money over time. You'll pay taxes on your earnings and capital gains each year (starting immediately), and your contributions won't be tax-deductible. But you can contribute as much as you'd like to a regular investment account—and withdraw your money whenever you'd like as well. If you have the funds, this could be an excellent way to grow your retirement nest egg.\nYou can also invest for retirement by contributing to your employer's 401(k) or 403(b) plan. Check with your employer for full details. You'll be limited in terms of where and how you can invest. Still, these accounts are hard to beat if your employer matches your contributions.\nFinally, if you're self-employed, you might consider SEP-IRA or SIMPLE accounts. These are similar to traditional IRAs but have different contribution limits and rules. END