Crossword Genius

Retirement plan, informally (4)

Ross

I believe the answer is:

roth

(Other definitions for roth that I've seen before include "Author of Portnoy's Complaint, b. 1933" , "Portnoy's Complaint author, d. 2018" , "Philip --, US author" , "American writer" , "American Jewish novelist, Philip, b. 1933" .)

I've seen this clue in The New York Times.
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