SEP IRA (Investments & Retirement) - Definition, Examples, Advice | Bolder Money

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Product 1:1 Coaching Our Coaches Our Story

Definition

A retirement plan for self-employed individuals or small business owners that allows for tax-deferred savings with higher contribution limits.

What to consider

Stay updated on the companies in which you own shares.
Review annual reports and dividend announcements.
Consider how your holdings fit into your overall investment strategy.

Real world scenarios

Garrett, a freelance web designer, funds a SEP IRA with part of each project’s revenue, lowering his taxable income while building retirement savings.
A small consulting firm contributes to SEP IRAs for employees instead of running a complex 401(k). Workers appreciate the straightforward approach.
Adriana calculates contributions to her SEP IRA annually based on her self-employed earnings, balancing tax benefits with her immediate business needs.

Related terms

Investments & Retirement

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