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Individual retirement accounts (IRAs) are, for many people, the cornerstone of their retirement savings plans. Together with 401(k)s and 403(b)s, they are an excellent method of deferring taxes into the future while saving and investing today. The following information is believed to be accurate, but as new tax laws take effect, some of this may change. We suggest that you consult your tax preparer before making any final decisions about what type of IRA is best for you. The following are the principal forms of individual retirement accounts used by most investors: