回复：谢谢各位建议.不过,现在能有帮助的只有IRA了,不知道哪里可以买

You can set up different kinds of IRAs with a variety of organizations. You can set up an IRA at a bank or other financial institution or with a mutual fund or life insurance company. You can also set up an IRA through your stockbroker. Any IRA must meet Internal Revenue Code requirements. The requirements for the various arrangements are discussed below.....

http://www.irs.gov/publications/p590/ch01.html#d0e1147