Retirement Planning

Individual Retirement Accounts (IRAs)

For individuals or business owners looking for an easy, affordable way to set up a retirement plan, IRAs offer specific tax advantages—and AB provides a wealth of investment options.

AB provides several different types of IRAs that can help investors save for retirement while providing important advantages. We also provide a full range of mutual funds for IRA investments. These range from asset-class-specific and investment-style-specific funds to Multi-Manager Select Retirement Funds*, a diversified target-date fund series with an asset mix that adjusts automatically as investors move toward—and through—retirement.

*A fund’s target date is the approximate year an investor expects to retire and start withdrawing from their account. Funds farthest from the target dates are nearly all-equity to emphasize growth potential; the asset mix grows more conservative as investors move toward—and into—retirement.
Investments in Multi-Manager Select Retirement Funds are not guaranteed against loss of principal—account values may be more or less than the amount invested—including at the target date. Investing in Multi-Manager Select Retirement Funds does not guarantee sufficient retirement income.

Read more about how IRAs can help investors save for retirement

Traditional IRA

Invest pre tax dollars and put off paying taxes until it's time for retirement

Roth IRA

Pay taxes on the dollars you invest up front…and you won't need to pay taxes again

Converting a Traditional IRA to a Roth IRA

Converting can provide a number of benefits to retirement investors

Rollover IRA

Turn a distribution from a qualified retirement plan into an IRA investment


Set up an easy-to-use retirement plan for a business using an IRA


Start a retirement plan for businesses with 100 or fewer employees

Talk to your financial advisor to find out what type of IRA makes the most sense for you.


Investors should consider the investment objectives, risks, charges and expenses of the Fund/Portfolio carefully before investing. For copies of our prospectus or summary prospectus, which contain this and other information, click here or contact your AB representative. Please read the prospectus and/or summary prospectus carefully before investing.

AB mutual funds may be offered only to persons in the United States and by way of a prospectus. This website should not be considered a solicitation or offering of any investment products or services to investors residing outside the United States.

AllianceBernstein Investments, Inc. (ABI) is the distributor of the AB family of mutual funds. ABI is a member of FINRA and is an affiliate of AllianceBernstein L.P., the manager of the funds.

Investment Products Offered:

Are Not FDIC Insured | May Lose Value | Are Not Bank Guaranteed

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