Rachel, 28, a software engineer, decides to opt for a traditional IRA instead of a Roth IRA for her retirement plan. Her plan includes 75% stock which is high-risk, high-reward.

Is this a productive choice of plans for Rachel? Why or why not?

A. It is productive because Rachel's withdrawals from the account after retirement will be tax exempt.

B. It is productive because Rachel can withdraw money from the account at any time without penalty.

C. It is not productive because as Rachel's earnings grow over time, she'll likely reach a higher marginal tax rate during retirement.

D. It is not productive because Rachel cannot claim tax deductions on her contributions toward her retirement account.