个人退休金账户是专为工资收入者开办的退休金存款账户。不少国家对一般存款利息收入都有纳税的规定，还有些国家对存款利息规定了上限，为保障工资收入者退休金存款的收益，许多国家的金融机构专门设立了个人退休金账户。该账户的存款可以免交利息所得税，利率亦没有上限规定，很受存款人欢迎。
退休后，自动启动个人退休金账户，无需通过公司的退休计划，以推动退休储蓄。
Boost retirement savings by automatically enrolling people without access to a workplace retirement plan in an Individual retirement Account.
存入“个人退休金账户”的钱产生的利息自动记入账户，这部分利息在提取之前不必纳税。
Money put into an IRA earns interest that is automatically added to the account; interest earned on an IRA is not taxed until it is withdrawn.
FDIC为每个账户提供最高250 000美金的保险到2009年底，并为被保险银行的个人退休金账户提供保险。
The FDIC insures up to $250, 000 per account through 2009 and individual retirement accounts at insured banks.
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