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.

800-453-7348

Online

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

Still exploring?

Am I Saving Enough for Retirement?  (Calculator)

Find out if you're on track to meet your retirement goals with this handy calculator.

What Mistakes Am I Making With My Money?  (Video)

Make sure you're avoiding these pitfalls to create better financial habits.

What Will It Take to Become a Millionaire?  (Calculator)

Learn how much to invest each month to reach $1 million.

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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 59½, death, disability, qualified first time home purchase.

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Only deposit products are FDIC insured.

Investment and Insurance Products:

• Are not FDIC or any other Government Agency Insured • Are Not Bank Guaranteed • May Lose Value

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Branch Banking and Trust Company is now Truist Bank. Learn more.

BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or SunTrust.com.

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