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A tax-deferred product offered by banks, mutual funds and other companies. Under current law, a married couple can put $11,000, $5,500 each ($6,500 each if you are age 50 or older), into their own IRA each year in a wide range of savings accounts and investments. Earnings are tax-deferred until you begin withdrawing the money, which you can start doing without penalty after age 59 ½. Under current tax law, some people, depending on income, marital status or other factors, can deduct all or part of their IRA contributions, which reduces their taxes.