<prompt> Translate the following text to EnglishKwa mujibu wa sheria za nchi, mtu anaweza kuchagua kutoka kwa IRAs ya jadi isiyoweza kuondolewa, IRAs mpya za Roth, IRAs za SEP kwa wafanyikazi wa kujitegemea, IRA za rahisi zinazodhaminiwa na waajiri wadogo, na mipango maarufu ya akiba inayodhaminiwa na waajiri wa 401 k.  <response>: 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 401k employersponsored saving plans. 