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Individual Retirement Accounts (IRA)

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Opening a Schwab IRA is an easy way to get your retirement savings on track and possibly save on taxes. We’ll help you choose the right Individual Retirement Account and provide the guidance, tools, and resources you need to meet your retirement goals. 

Traditional IRA

Key advantage: You may get immediate tax benefits, but you'll have to pay taxes when you take money out in retirement.

Ready to get started?
 

Roth IRA

Key advantage: You can get tax benefits later, when you take out your retirement savings tax-free.

Ready to get started?
 

Rollover IRA

Rolling over your plan from a former employer is one way to take control of your retirement savings.
  • Get start-to-finish rollover help
Ready to get started?

There are no fees to open or maintain your account. Other account fees, fund expenses, and
brokerage commissions may apply. (Pricing Details.)

Inherited IRA

Have you inherited an IRA or an employer-sponsored retirement plan account? Find out what you need to know.

Call to 866-855-5635 get started.

Custodial IRA

Do you have a child with earned income? Here’s a great way to give them a head start on their retirement savings.


Photo of woman on individual retirement account page

Understanding IRAs

Get answers to your questions about investing for retirement, plus tools and calculators—all to help you build the retirement you want.






Individual Retirement Account is rated 4.2 out of 5 by 634.
Rated 1 out of 5 by from Locks me out of account unless I respond to go paperless
Date published: 2017-04-26
Rated 4 out of 5 by from Great Investment Environment Schwab definitely delivers on its message of "owning your future" by providing a great investment environment that allows us to view our portfolio from many different perspectives, learn financial analytics at our own pace and apply what we have learned to our investments. We also take comfort in knowing the answers to our questions are always a phone call away. One additional feature that might be nice would be to provide custom labels for positions in accounts to allow he composite (unrealized) yield of any portion of a portfolio to be shown.
Date published: 2017-04-26
Rated 5 out of 5 by from Rollover IRA Excellent, cost-efficient, professional investment advice. I truly appreciate the select mutual funds and ETF's that help me find some really outstanding funds. I have been very pleased with Schwab and the ease of use for research, trades, and periodic portfolio check-up's. Thank you for making this process simple, yet valuable and very educational.
Date published: 2017-04-25
Rated 1 out of 5 by from a bunch of bullies
Date published: 2017-04-25
Rated 4 out of 5 by from Reduced Fees Made me Reconsider Changing Companies I was about to move from Schwab due to their trading fees, but they recently cut them to remain competitive, so I am reconsidering because Schwab has a lot of options, but I don't think their research is among the best. I would like to be able to compare ETFs and Mutual Funds by category. I don't like that we can't access closed accounts. I would like to have an easy way to see returns of each holding in my account. Quarterly returns should be easier to customize, update, and delete. I used to have a local contact, but they did away with that which makes it harder to get answers about my account which takes away from my loyalty. I like companies that offer services based on the size of the accounts. They appear to be doing away with premium services while the competition is adding them. I have had an account with Schwab probably since the late 70s or early 80s but even that I can't tell as accounts were combined in 2009 so I can no longer access my history prior to that.
Date published: 2017-04-19
Rated 5 out of 5 by from
Date published: 2017-04-18
Rated 2 out of 5 by from Low Balance Alert I use limit GTC orders for Schwab ETFs and AIP into mutual funds and of course, I cannot have negative balance in retirement accounts. So, there should be a feature to ALERT me if my balance is below a pre-set threshold.
Date published: 2017-04-18
Rated 5 out of 5 by from
Date published: 2017-04-17
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