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Planning
 

Tax-deferred investing

Choosing the right retirement account may save you money. Janus has several retirement accounts that offer tax-deferred investing. These accounts have the potential to benefit all investors, but the further you are from retirement - and the earlier you invest - the more the benefits of tax-deferred investing may accumulate over time. The link below illustrates how investing on a tax-deferred basis may increase your retirement savings.

 

See how tax-deferred growth could help your money grow faster.

 

Tax-deferred retirement accounts

Janus has helped thousands of investors save for retirement with these accounts:

 

Individual Retirement Accounts (IRAs)

Traditional and Roth IRAs are the two most popular retirement accounts at Janus. Both provide tax-deferred growth of earnings. Traditional IRAs also offer tax-deductible contributions to qualified investors, but a withdrawal from a Traditional IRA may have tax consequences. Roth IRAs do not offer tax-deductible contributions, but qualified retirement withdrawals will not be taxed. Our side-by-side IRA comparison may help you determine what account is right for you.

 

Consolidating retirement plans at Janus

If you have an employer-sponsored retirement plan, like a 401(k) or 403(b), you can move it to Janus as a direct rollover to a Traditional IRA if you change jobs, retire, or have another qualifying event. If you would like to move your IRA from another financial institution into a Janus IRA, you can perform an asset transfer.

 

Retirement accounts for business owners and self-employed individuals

Sole proprietors, partnerships and small-business owners could consider a SEP-IRA for tax-deferred investing. Janus also offers defined contribution plans like profit-sharing plans and money-purchase pension plans for small business owners.

 

Want help finding the right solution?

We can help you determine which retirement account is best for you. Call a Janus Retirement Specialist at 800.525.1093.

 

Now you're ready to formulate your retirement strategy.

Please consider the charges, risks, expenses and investment objectives carefully before investing. Please see a prospectus , or if available, a summary prospectus containing this and other information. Read it carefully before you invest or send money.

A Fund's performance may be affected by risks that include those associated with nondiversification, non-investment grade debt securities, high-yield/high-risk securities, undervalued or overlooked companies, investments in specific industries or countries and potential conflicts of interest. Additional risks to a Fund may also include, but are not limited to, those associated with investing in foreign securities, emerging markets, initial public offerings, real estate investment trusts (REITs), derivatives, short sales, commodity-linked investments and companies with relatively small market capitalizations. Each Fund has different risks. Please see a Janus prospectus for more information about risks, Fund holdings and other details.

A IRA should be considered a long-term investment. IRAs generally have expenses and account fees, which may impact the value of the account. Non-qualified withdrawals may be subject to taxes and penalties. Maximum contributions are subject to eligibility requirements. Depending on your eligibility, you may not be able to contribute the maximum amount. For more detailed information about taxes, consult IRS Publication 590 or your tax adviser regarding your personal circumstance.

Janus Distributors LLC