anchor: Depending on their circumstances, people may also be able to choose from nondeductible traditional IRAs, new Roth IRAs, SEP IRAs for the selfemployed, SIMPLE IRAs sponsored by small employers, and the popular 401(k) employersponsored saving plans.
positive: People may also be able to choose from nondeductible traditional IRAs.
negative: People are not able to choose from nondeductible traditional IRAs.