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Retirement Products

Roth IRA

An Amica Roth IRA allows contributions and earnings to grow tax-deferred and can be an important part of your retirement plan.

Tax-Deferred Earnings – Your earnings grow tax-deferred, allowing you to accumulate more money than you could in a taxable account earning the same interest rate.

Proven Steady Performance – Because of our conservative investment portfolio, we have consistently offered a competitive yield with minimal risk.

No Administrative Fees – No front-end sales charges, service fees, or annual administrative costs.

Payout Flexibility – It's easy to access your money. You may make a withdrawal free from federal taxes provided you make a "qualified distribution" and you do not withdraw any of the earnings until you have had the plan for at least five years. You may choose from a variety of payment options to suit your needs.

Contribution Limits – There is no age limit for making contributions. You may contribute an amount equal to your earned income – up to $5,500 for tax year 2014 or $11,000 combined for spouses, and up to $5,500 for tax year 2015 or $11,000 combined for spouses. Your eligibility to make a Roth IRA contribution depends on your (and, if applicable, your spouse's) filing status as allowed by the IRS, and modified adjusted gross income.

Catch-Up Provision – For tax years 2014 and 2015, individuals age 50 and over can make an additional "catch-up" contribution of $1,000 per person.

Complete our Request Information form to receive additional information on Amica retirement products.

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This product may not be available in all states.