How Do I Know What Kind Of Retirement Plan I Have? 
When you 're unclear about your retirement account , you need to determine a few items . Are you funding your retirement by yourself or through your employer ? Are you deducting your contributions ? If your funding your retirement yourself and deducting the contributions , you may have an IRA . If money is being withheld beyond the payroll deductions of FICA , FUTA and SUTA then you may have a 401 -LRB- k -RRB- . 