Numerous changes in the investment landscape over the last four decades, beginning with the sweeping transition from defined benefit to defined contribution retirement plans, have made their mark on both the original IRA and a proliferation of new and related products.

There are probably more changes ahead. IRAs now face at least three potentially transformative forces that could redefine the future of the platform: regulation and tax reform, demographic changes, and the expansion of IRAs to those who do not currently have employer-sponsored retirement plans.

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