Traditional IRA Deadline Extension

Traditional IRA Deadline Extension

It’s getting to be that time of year again. No, I don’t mean the Holiday season time, I mean tax time. That dreaded three-letter word “TAX” means it’s time to gather paperwork and review plans for the rest of the year. 

One thing that can help is understanding the traditional IRA deadline extension and contribution limits.   These dates and limits are essential need-to-know information for investors.

As investors, we want to be sure we are taking advantage of decreasing our tax burden, but also building up retirement savings accounts too.

One investment vehicle that allows you to do these two things is a Traditional IRA.

understanding the traditional ira deadline extension

What is the Traditional IRA

The Traditional Individual Retirement Arrangement (IRA) was created in 1975. 

Traditional IRAs allow you to make contributions to your IRA that are tax deferred. This means monies you put into an IRA grow tax deferred until you pull them out. Additionally, you can write these contributions off on your taxes. It can be a way to grow your retirement account and reduce your tax burden for the previous tax year.

Traditional IRA Deadline Extension for Contributions

Typically, taxpayers have until April 15 to make contributions to their IRAs. Now the IRS at times makes adjustments to that due date depending on where that day might fall. 

For example, if tax day falls on a Saturday, the IRS might extend the date until the following Monday (needs to be on an active USPS mailing day). 

Other extensions occur with unforeseen events, such as with the extensions for 2020 and 2021 due to the Pandemic. 

Standard Contribution Dates

For Tax year 2021, you can make contributions up to April 15, 2022. This gives investors 15 1/2 months to make contributions. 


*Depending on age (see Contribution Limits below)

As you can see, the traditional IRA deadline extension goes into the next calendar year.

One note: If you’re sending these contributions by mail, you need to ensure that it is postmarked by the correct deadline.

You can find out more about the IRS’s contribution schedule here: IRA Year-End Reminders


Contribution Limits

Taxpayers up to 50-years-of-age can contribute $6000. For those 50-years-of-age and older, you can contribute up to $7000.

The IRS allows you to contribute to your IRA up to the age 70 1/2. You must begin taking distributions by the age of 72.

Get Your Contributions in Now

The fiscal year is quickly approaching. Have you fully funded your IRA? Now is the time. Close up this tax year on top, saving some money in taxes while protecting your wealth.

Did You Know…

For investors who have a self-directed IRA you have the power to invest in alternative types of investments like real estate funds.  This is a great way to diversify your portfolio. Secured Investment Corp.’s Fund III allows investors to invest in real estate at a very low cost. This fund is fully audited by Verivest and only requires an initial investment of $1000. Click to receive the Fund III Infopak for FREE and learn more about investing in real estate.


Earning and Income statements made by our company and its customers are supplied directly from the company or customer. Any and all claims or representations as to income earnings made on our web sites or in our materials or information are not to be considered as average earnings. There is no guarantee that you will make these levels of income — in fact, most people do not — and you accept the risk that the earnings and income statements differ by individual. Individual performance depends upon each customer’s unique skills, time commitment and effort. Our programs are not designed or intended to qualify individuals for employment. Our programs are avocational in nature and are intended for the purpose of the personal enrichment, development, and enjoyment of individuals.

Past performance is not an indicator of any future results. All investments contain risk and may lose value. Any historical returns, target returns, expected returns or probability projections may not reflect actual future performance. Investors should not rely on forward-looking statements because such statements are inherently uncertain and involve risks. While the data we use from third parties is believed to be reliable, we cannot ensure the accuracy or completeness of data provided by investors or other third parties. We do not make any representations as to the accuracy or completeness of the information contained on this website and undertake no obligation to update the information. Neither Secured Investment Corp. nor any of its affiliates are registered investment advisors or broker-dealers and do not provide investment advice. No communication from Secured Investment Corp. or its affiliates through this website or any other materials is intended to be or should be construed as investment, tax, financial, accounting or legal advice.


Secured Investment High Yield Fund II, LLC is open to “accredited investors” only, through an offering made in accordance with Regulation D, Rule 506(c) of the Securities Act of 1933, as amended. In purchasing securities through a 506(c) offering, we are obligated to verify any participating investor’s status as an “accredited investor” in accordance with Rule 501 of Regulation D.

Circle of Wealth Fund III LLC has filed offering circulars and may make additional filings with the Securities and Exchange Commission covering its current offering of membership interests. Each investor should carefully consider the risk factors and other information discussed in the qualified offering circulars (including any amendments) before purchasing membership interests. The Offering Circular and other supporting documentation may be found at: