The two chief types of these programs are Individual Retirement Accounts(IRA) ( IRAs ) and Keogh plans. 这种计划主要有两类,即个人退休金账户和基奥计划。
In 1974, American government created the Individual Retirement Accounts(IRA) ( IRAs ), which was an individual saving plan of retirement for all the tax-payers. 1974年,美国政府率先设立了个人退休账户(IRA)(IndividualRetirementAccounts,下文简称IRA)。