the only thing we have available is the traditional IRA. The max contributions do change from time to time, as our government likes to do, so check back often on that. I am thankful we can do the traditional IRA. Ours is in mutual funds. After we max it out we max out the IRA contributions we put ours in a non-retirement mutual fund account. Both the IRA and non-retirement each have 12 different mutual funds. They are the same funds for each investment.