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There’s Still Time to Make an IRA Contribution for 2016

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Until scientists tackle time travel, there’s this: For a couple more weeks, you can go back to last year and make an individual retirement account contribution toward the 2016 annual limit.

That’s thanks to a generous deadline from the IRS that allows contributions to an IRA for each year until the tax-filing deadline the next year. For 2016, that’s April 18, 2017, and you can put in up to $5,500, or $6,500 if you’re 50 or older.

Open an IRA or fund an existing one

At the risk of sounding obvious, taking advantage of this extra time requires actually having an IRA. If you do, it’s mostly a matter of funding it before the deadline and letting the account provider know that the contribution is for 2016. If you don’t have an IRA, you still...

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