What number of People have an IRA? You may consider a standard 403(b) if you want to cut back your taxable earnings within the 12 months you make the contribution. If you loved this post and you would like to obtain more facts regarding top-rated precious metals iras kindly go to our website. IRA’s are a fairly standard retirement savings car within the US, with roughly a third (31%) of American adults say they at the moment have an IRA.