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You cant use contributions to reduce your taxable income, but withdrawals can be made at any time, tax-free. And if your employer matches your contributions, your savings power is doubled. You can also speak to a registered financial advisor who can help you determine the best way to reach your retirement goals based on your personal financial situation.
The term can be anywhere from a year or less to as long as 30 years. On the date the bond becomes due (the maturity date), the issuer is supposed to pay back the face value of the bond in full (your original investment).