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IRA versus SEP: Which Retirement Plan is Better?

SEPS, simplified employee pensions.... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA SEP vs. IRA: Understanding the Differences When it comes to planning for retirement, many people turn to individual retirement accounts (IRAs) or simplified employee pension plans (SEPs), but which one is right for you? Both offer tax-advantaged ways to save for retirement, but they have some differences that you should consider before making your decision. What is an SEP? An SEP is a type of retirement plan for self-employed individuals or small-business owners. It allows employers to make tax-deductible contributions on behalf of themselves and their employees. The contribution limit for SEPs is higher than IRAs, allowing employers to save up to 25% of their income or $58,000 (whichever is less) in 2021. One of the main benefits of an SEP is that it ...