Together, retire can inspire

Domini Impact Investments is a women-led impact investing firm that allows you to make an impact, one investment at a time. A caring community of individual investors, Domini is where the power of small is the greatness of all. 

When you open a Domini IRA, you fund more than a retirement account—you help create prosperity that reaches people and partners. Touches hearts and minds. And inspires communities, companies, and better futures—most importantly, yours. 

Invest in companies that care about universal human dignity. 

 Invest in companies that uphold ecological sustainability. 

 Invest in a fund that helps power prosperity, thousands of individual investors like you at a time.


Retire with Impact

Impact is what we do—and it’s all we do. When you invest with Domini, your dollars will tell a story about human dignity, ecological sustainability, and about what you value. Because when thousands of small investors come together with a care that’s mutual in a fund that is too, our dollars will talk—and big money can’t help but listen. 

Open an IRA

IRA questions, meet IRA answers

 IRA stands for an Individual Retirement Account. 

There are two main types of IRAs: Roth IRAs and Traditional IRAs. 

A Roth IRA is a tax-deferred Individual Retirement Account, with nondeductible contributions. 

A Traditional IRA is a tax-deferred Individual Retirement Account, typically with tax deductible or pre-tax contributions. 

There are also SIMPLE IRA plans, which can be set up by small employers to allow them and their employees to contribute to traditional IRAs in place of another sponsored retirement plan. 

Individuals of any age who have earned income from work or other compensation (as defined by the IRS to mean wages, salaries, commissions, self-employment income, alimony and separate maintenance, and nontaxable combat pay) can open a Roth IRA, assuming their income is below a certain level. A Traditional IRA can be opened if an individual has taxable compensation, as defined above. As of 2020, you can contribute to a Traditional IRA even if you are 70 ½or older. 

For the 2020 tax year, contributions to IRAs must be made by April 15, 2021 to be able to have prior year status 

Tax-Deferral. Earnings within the account are tax deferred while in the account. That means an individual does not have to pay annual taxes on such income and capital gains, if any.

Tax-Free Withdrawals. Withdrawals of amounts contributed to a Roth IRA are not taxable . Withdrawals of any income earned within the account can also be tax free, provided the account holder has reached age 59 ½ and has held the Roth IRA for at least five years. (In a Traditional IRA, generally withdrawals are taxable as ordinary income, except where contributions were not deducted or had an after tax status.) Withdrawals of any gains prior to age 59 ½ or not meeting the five year requirement may be subject to a 10% federal income tax penalty.

For the 2020 tax year, contributions to IRAs must be made by April 15, 2021 to be able to have prior year status 

For 2020, individuals can contribute up to $6,000 per year to an IRA, assuming they have taxable compensation of at least that amount. Total contributions to Roth and Traditional IRAs must not exceed $6,000 per year. Individuals age 50 or over may make an additional catch-up contribution of up to $1,000, assuming they have taxable compensation of at least that amount.**

To qualify under IRS rules to make the maximum Roth contribution in 2020, an individual having single filing status must have a modified adjusted gross income (AGI) of less than $124,000. Individuals with a modified AGI of at least $124,000 but less than $139,000 qualify for partial Roth contributions. For married couples filing jointly, to qualify to make the maximum Roth contribution, their modified AGI must be less than $196,000. Married couples filing jointly with a modified AGI of at least $196,000 but less than $206,000 qualify for partial contributions.

**If an individual’s taxable compensation for a year was less than $6,000, or $7,000 if they are at least 50, then their contributions for the year cannot exceed such amounts.

Tax-Deferral. Earnings within the account are tax deferred while in the account. That means an individual does not have to pay annual taxes on such income and capital gains, if any.

Tax-Free Withdrawals. Withdrawals of amounts contributed to a Roth IRA are not taxable . Withdrawals of any income earned within the account can also be tax free, provided the account holder has reached age 59 ½ and has held the Roth IRA for at least five years. (In a Traditional IRA, generally withdrawals are taxable as ordinary income, except where contributions were not deducted or had an after tax status.)

For the 2020 tax year, contributions to IRAs must be made by April 15, 2021 to be able to have prior year status 

Tax-Deferral. Earnings within the IRA are tax deferred while in the account. That means an individual does not have to pay annual taxes on such income and capital gains, if any, which is a potential tax benefit. Withdrawals prior to age 59 ½ may be subject to a 10% federal income tax penalty.

Tax-Deductible Contributions. Annual contributions may be tax-deductible if the individual or spouse has not participated in their employer's qualified retirement plan, such as a 401(k) plan, at any time during the tax year, or if their modified adjusted gross income is below a certain threshold. Social security benefits received may adversely affect deductibility of contributions.

Eligible individuals can contribute up to $6,000 annually to all of their IRAs for 2020, assuming they have taxable compensation of at least that amount.* Individuals age 50 or over generally may make an additional catch-up contribution of up to $1,000, assuming they have taxable compensation of at least that amount.* 

*If an individual’s taxable compensation for a year was less than $6,000, or $7,000 if they are at least 50, then their contributions for the year cannot exceed such amounts. 

Withdrawals, sometimes called "distributions," generally must begin when the owner of a Traditional IRA reaches age 72, formerly 70 ½, or earlier in the case of an inherited IRA. Withdrawals generally are taxable as ordinary income, except for non-deducted/post-tax contributions, if any.

With a rollover IRA, an individual can move assets from an employer-sponsored retirement plan, like a 401k, into such an IRA. Doing this has three potential benefits:

1. It can preserve the tax-deferred status of the assets and avoid early withdrawal penalties.

2. It allows the consolidation of former employer plans, making them easier to manage.

3. It can better enable control of investment choices for such assets, perhaps offering a different range of investment choices that may better align with your goals and values.

Think of your Domini IRA as a community of caring individual investors who come together to make an impact based on shared values. They share the view that what’s good for human dignity and ecological sustainability can also be good for their personal prosperity too. At Domini, we use three tools to build a better tomorrow – applying our impact standards to all of our investment portfolios, using our voice as owners seeking to create positive change in companies, and investing to help communities fill gaps left by traditional finance. 

Domini focuses exclusively on impact investing. An IRA from Domini offers one very important advantage: peace of mind. We only invest in companies that meet our proprietary social and environmental standards. In fact, our Impact Investment Standards are the foundational framework that guide our research and analysis. They are applied consistently across all our funds because we believe that is how all investing should be done. 

This means we ensure a company’s core business model is aligned with our goals of universal human dignity and ecological sustainability before we invest in it. And it also means we evaluate a company’s relations with its key stakeholders, including ecosystems; local, national, and global communities; customers; employees; suppliers; and investors. 

There is an annual $15 Domini IRA maintenance fee for Domini IRA accounts, and an annual paper delivery fee may apply. In addition, although the Domini Impact Equity Fund, Domini Impact International Equity Fund, and the Domini Impact Bond Fund investor class shares are no load, certain fees and expenses apply to an investment. These are described in the Domini Funds’ Prospectus. 

Investing for Good®

Join the growing number of investors who align their money with their values.
Click below to learn more or call us at 1-800-582-6757 (Monday to Friday, 9 a.m. - 6 p.m. EST).

Contact UsRequest InfoOpen an IRA

Before investing, consider each Fund’s investment objectives, risks, charges and expenses. Contact us for a prospectus containing this and other information. Read it carefully. The Domini Funds are not insured. You may lose money. Shares of the Domini Funds are offered for sale only in the United States.

The Domini Impact Equity Fund is subject to certain risks including impact investing, portfolio management, information, market, recent events, and mid- to large-cap companies risks The Domini International Opportunities Fund is subject to certain risks including foreign investing, geographic focus, country, currency, impact investing, and portfolio management risks.. The Domini Sustainable Solutions Fund is subject to certain risks including sustainable investing, portfolio management, information, market, recent events, and mid- to large-cap companies and small-cap companies risks. The Domini Impact International Equity Fund is subject to certain risks including foreign investing and emerging markets, geographic focus, country, currency, impact investing, and portfolio management risks. The Domini Impact Bond Fund is subject to certain risks including impact investing, portfolio management, style, information, market, recent events, interest rate, and credit risks. The Domini Impact Bond Fund currently holds a large percentage of its portfolio in mortgage-backed securities. During periods of falling interest rates, mortgage-backed securities may prepay the principal due, which may lower the Fund’s return by causing it to reinvest at lower interest rates. Some of the Domini Impact Bond Fund's community development investments may be unrated and carry greater credit risks than its other investments. Potential risks related to the Bond Fund’s investments in derivatives include currency, leverage, liquidity, index, pricing and counterparty risk. TBA (To Be Announced) securities involve the risk that the security the Bond Fund buys will lose value prior to its delivery, that the security will not be issued, or the other party to the transaction will not meet its obligation, which can adversely affect the Fund’s returns. The reduction or withdrawal of historical financial market support activities by the U.S. Government and Federal Reserve, or other governments/central banks could negatively impact financial markets generally and increase market, liquidity and interest rate risks which could adversely affect the Fund’s returns.

Investing internationally involves special risks, such as currency fluctuations, social and economic instability, differing securities regulations and accounting standards, limited public information, possible changes in taxation, and periods of illiquidity. The Adviser’s evaluation of environmental and social factors in its investment selections and the timing of the Subadviser’s implementation of the Adviser’s investment selections will affect the Fund’s exposure to certain issuers, industries, sectors, regions, and countries and may impact the relative financial performance of the Fund — positively or negatively — depending on whether such investments are in or out of favor. Public health crises caused by the COVID-19 outbreak may exacerbate other pre-existing political, social and economic risks in certain countries or globally.

Please consult a professional adviser for tax, investment and legal advice, as Domini and its employees may not provide any advice. The above information is not intended as, and should not be considered tax advice, and is presented as general information only. Please refer to IRS Publications 590-A (IRA contributions) and 590-B (IRA withdrawals), and the Domini IRA Disclosure Statement and Custodial Account Agreement for Traditional IRA and SEP IRA, Roth IRA or SIMPLE IRA with regard to IRA contribution and withdrawal rules. This information concerns federal income matters. State and local income tax law and rules also may apply. 02/2021


Check the background of DSIL Investment Services LLC and its investment professionals on FINRA's BrokerCheck. Before investing, consider the Domini Funds’ investment objectives, risks, charges, and expenses. View or order a prospectus. Read it carefully.

DSIL Investment Services LLC (DSILD) distributor, Member FINRA.

Domini Impact Investments LLC (Domini) is the Funds’ investment manager. The Funds are subadvised by unaffiliated entities.

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