Compare a Traditional IRA with a Roth IRA. A Traditional IRA may be a better choice than a Roth IRA if you:

. Don't qualify for a Roth IRA because of your income level but still want the tax deferral on earnings in a Traditional IRA.
. Believe that income tax rates will decrease in the future.
. Expect to be in a lower income tax bracket in retirement.
. Qualify for a tax-deductible IRA contribution.