SAVING & SPENDING1 minutes
Add Funds Any Time
Contribute whenever you like within IRS rules.
Tax-advantaged
Enjoy tax benefits based on the type of IRA you choose
Bank Anywhere, Anytime
View your IRA accounts anytime online or in our app.
How much will you need?
Keep yourself on track to hit your retirement savings goals using this simple calculator.
PER MONTH
You'll need to save a total of
^Your budget will likely change after you retire.
Read this for more information
Ready to start saving?
Call +1(803) 824-0007 to
open an account
Traditional or Roth?
Compare these products. Choose what's right for you.
Call +1(803) 824-0007 to open an account
Traditional |
Roth |
|
|---|---|---|
| Tax Implications | Funds are tax-deferred; taxed upon withdrawal. | Funds are taxed before funding; qualified withdrawals are tax-free. |
| Tax Benefits | Earnings grow is tax-deferred. | Earnings growth is tax-free. |
| Income Requirements | Your income does not affect yearly contribution amount. | Your income affects yearly contribution amount. |
| Age Restrictions | No restriction. | No restriction. |
| Early Withdrawal Penalties | 59 1/2+ to avoid early withdrawal tax penalty. | 59 1/2+ to avoid early withdrawal tax penalty. |
| Withdraw Taxes | You pay taxes on all amounts withdrawn. | You won't pay taxes upon withdrawal if funds have been in the IRA for 5 years. |
| Required Minimum Distribution (RMDs) | Must begin at 72. | Do not apply. |
Source: Curinos, New York, NY. curinos.com Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed. See disclosures below for more information.
Retire with a strategy
Dreaming of a comfortable retirement? With careful planning, you can make it happen. See how a Riverstones Vista Capital IRA Money Market account can help you save smart.
Retire with a strategy
Dreaming of a comfortable retirement? With careful planning, you can make it happen. See how a Riverstones Vista Capital IRA Money Market account can help you save smart.
Money Market Accounts (MMAs)
APY*
No minimum balance
EXPLORE MONEY MARKET ACCOUNTSIRA Certificate of Deposit (IRA CD)
APY* at 12 mo
No minimum balance
EXPLORE IRA CDSFAQ
Yes. You may transfer your current IRA, roll over your employer-sponsored IRA, or roll over a deceased account holder’s Qualified Retirement Plan to a beneficiary IRA with Riverstones Vista Capital . To do so, please call one of our IRA Specialists at +1(803) 824-0007.
Once you’ve opened your RVC IRA, you can complete additional transfers using our Transfer Request form or Direct Rollover Request form, available online in our Help & tools section at the bottom of the page, under Bank Forms.
Yes, you may roll over funds from specific employer-sponsored retirement plans to a Riverstones Vista Capital Traditional IRA. Please contact an IRA Specialist at +1(803) 824-0007 to learn more.
You can change your beneficiaries as many times as you wish. To get started, please fill out the IRA Beneficiary Change form, available online in our Help & Tools section, under Bank Forms.
Have questions or need help? Call us at +1(803) 824-0007.
Yes. Riverstones Vista Capital
is a member of the FDIC, so your deposit accounts with us are insured up to $250,000 per ownership category. If you want, learn more about FDIC insurance limits.
