In addition, people who do not have private pensions or who earn less than a certain amount may deposit money into an IRA each year without having to pay income tax on the money until it is withdrawn.

• 没有私人退休金的人，或收入低于一定标准的人，可以每年把钱存入“个人退休金账户”，这笔钱在提取之前不必交纳所得税。