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Romney built a golden IRA while he was at Bain

It is one of the most striking elements of Mitt Romney’s financial fortune. He has used the seemingly bland investment vehicle known as an individual retirement account — established by Congress to help average Americans save a modest amount for retirement — to shield at least $20 million and as much as $100 million from initial taxes.

Even the lesser amount would put Romney’s IRA in the top 0.001 percent of all such accounts in the country, according to analysis by the nonpartisan Employee Benefit Research Institute. The extraordinary size of Romney’s IRA has led Democrats to question how he could amass such a fortune given that annual contributions to the fund are strictly limited.

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