Mozart twiddled his thumbs in Munich by writing the Piano Sonata in B-flat, K. 281.

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Similarly, a rollover from a pre-tax 401(k), 403(b) or 457(b) plan into a traditional IRA also qualifies, as well as a rollover from a SIMPLE IRA and SEP-IRA to a traditional IRA. Rules and restrictions apply, so keep reading.

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But most importantly, governments must move away from the defined-benefit model and shift employees to defined-contribution retirement options like 401(k) and 403(b) plans.

FORBES

Have automatic payroll deductions (or deductions from your checking account) of at least 10% of your income made into a 401(k), 403(b), Roth, or traditional IRA, or self- employed retirement plan (SEP-IRA, SIMPLE IRA, solo 401(k)).

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The program involved a retirement plan known as a 403(b), which is a public-sector cousin of the 401(k).

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Consider annuities if you (a) are in a high tax bracket (b) have exhausted other forms of tax-favored retirement savings, like 401(k)s and IRAs and (c) want to own more bonds, especially corporate bonds.

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