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Quick Guide to Traditional IRAs and Taxes

Out-of-Pocket Contributions:

  • Pre-tax
  • May provide a tax deduction in the year of the contribution

Funds/Investments in the Traditional IRA:

  • Tax-deferred growth
  • No capital gains tax or federal/state income tax while inside the account


  • Distributions after age 59 1/2 taxed as ordinary income
  • Included as ordinary income in year of withdrawal

Assuming IRS rules are followed and you must meet eligibility requirements. – Certain investments may be subject to Unrelated Business Income Tax (UBIT), such as debt-financed real estate and Limited Partnerships. LLCs and other businesses conducted within the account. Visit for more informations

Equity Trust Company is a directed custodian and does not provide tax, legal, or investment advice. Whenever making an investment decision, please consult with your tax attorney or financial professional.