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Obama-Era Retirement Plan Is Dead. Here’s an Alternative

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The Treasury Department announced Friday that it is ending the Obama administration’s myRA program, a savings account designed to help low- and middle-income savers put money away for retirement.

The myRA launched nationwide in 2015 as a spinoff of the Roth IRA. It was positioned as a starter retirement account, giving savers the ability to make contributions directly from their paychecks. The account had the same income eligibility requirements as a Roth IRA but offered Treasury savings bonds as the only investment option, appealing to savers who feared losing their principal.

In a press release about the end of the program, U.S. Treasurer Jovita Carranza said a review of the myRA program found it wasn’t cost-effective.

“The myRA...

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