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Whether your financial goals include accumulating wealth for retirement, transitioning your retirement plan savings when leaving a place of employment, or taking income distributions during retirement, IRAs offer flexible, tax-efficient strategies.

Traditional IRA
Tax-deferred growth potential, tax-deduction potential, and a wide range of investment choices, make the traditional IRA a good choice for many investors focused on accumulating wealth for retirement.

Roth IRA
The potential for tax-free distributions in retirement, tax-deferred growth, and a wide range of investment options make the Roth IRA advantageous to many investors focused on accumulating wealth for retirement.

Rollover IRA
For job changers and anyone nearing retirement, a Rollover IRA can be a flexible transition strategy for their retirement plan assets.

Stretch IRA
The far-reaching possibilities of the Stretch IRA – including tax-deferred growth, retirement income, and legacy planning, make this strategy ideal for many pre-retirees and retirees.

72(t) Early Income Distribution
For individuals retiring early, laid off, or needs emergency income, and plan on taking retirement distributions early, a 72(t) withdrawal from IRAs may be a smart source of income.

Required Minimum Distributions
Information and calculators for taking the right Required Minimum Distribution from IRA accounts beginning at age 70 ½.

This publication is authorized for distribution only when preceded or accompanied by a prospectus, or summary prospectus, for the portfolio being offered. Consider the fund's investment objectives, risks, charges and expenses. Contact MFS or view online. Read it carefully.