Planning for Retirement

Set your course for a brighter future

Invest in an individual retirement account as part of your long-term financial plan.

Start saving with an IRA

Individual retirement accounts (IRAs) may provide a tax-advantaged way for you to save for retirement, and can be a good choice if you're self-employed.

Check out the IRAs offered by BB&T Investments and choose one that's right for you.

Traditional IRA

  • Contributions may be tax deductible
  • Earnings grow tax deferred
  • Withdrawals are taxed at your tax rate in retirement

Roth IRA

  • Withdrawals of contributions are tax free
  • Earnings are tax exempt
  • Contributions are not tax deductible

Rollover IRA

  • Earnings continue to grow tax deferred
  • Contributions may be tax deductible
  • Withdrawals are taxed at your tax rate in retirement

Simplified Employee Pension Plan (SEP) IRA

  • Contributions are tax deductible
  • Earnings grow tax deferred until you make withdrawals
  • Employers may contribute up to 25% of compensation up to $53,000

Savings Investment Match Plan (SIMPLE) IRA

  • Employer contributions are tax deductible
  • Employee contributions are pre-tax
  • Employer cannot offer any other employer-sponsored retirement plan

Ready to get started?

By phone

Arrange a meeting.



Leave us your contact info, and we'll call you back.

By mail

Send certificates and correspondence to:

BB&T Investments
200 S. College St., 11th Floor
Charlotte, NC 28202

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Market Trends

Managing your BB&T-administered retirement plan?

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    A distribution from a Roth IRA is tax and penalty free if the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59?, death, disability, qualified first time home purchase.

Traditional banking services are provided by Branch Banking and Trust Company, Member FDIC.

Only deposit products are FDIC insured.

Investment solutions are provided by BB&T Investments, a division of BB&T Securities, LLC (opens in a new tab) member FINRA (opens in a new tab)/SIPC (opens in a new tab). BB&T Securities, LLC is a wholly-owned nonbank subsidiary of BB&T Corporation. Securities and insurance products or annuities sold, offered or recommended by BB&T Investments are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may lose value.?

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