Contributions are determined by the employer. Withdrawals - The rules for receiving retirement plan income vary by employer. IRAs Available to everyone for after-tax contributions and rollovers. All Roth IRA contributions are in after-tax dollars.
Contributions are unlimited.
Mutual Funds Available to virtually everyone. Contributions are unlimited. They can also serve as investment options under Classic and Roth IRAs and other tax-advantaged products, including retirement plans. In these cases, the contribution limits, tax treatment, and withdrawal rules for mutual funds are governed by the type of product or retirement plan under which they are offered.