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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.




A rollover of retirement plan assets to an IRA is not your only option. Carefully consider all of your available options which may include but not be limited to keeping your assets in your former employer's plan; rolling over assets to a new employer's plan; or taking a cash distribution (taxes and possible withdrawal penalties may apply). Prior to a decision, be sure to understand the benefits and limitations of your available options and consider factors such as differences in investment related expenses, plan or account fees, available investment options, distribution options, legal and creditor protections, the availability of loan provisions, tax treatment, and other concerns specific to your individual circumstances.



Individual Retirement Account is rated 4.228 out of 5 by 557.
Rated 5 out of 5 by from good investment choices!!! I love investing with Schwab, they have low minimums to start and low cost index funds. so if you are a small with low capital investor Schwab will be a good choice.
Date published: 2014-10-14
Rated 5 out of 5 by from Our IRAs at Charles Schwab Charles Schwab has an abundance of tools, research, and analysis available to make informed investment decisions. They are user friendly and all available online. We’ve be with Charles Schwab for over 20 years and recently considered switching until I found out the competitor was severely lacking in online features to help manage our IRAs.
Date published: 2014-10-07
Rated 4 out of 5 by from Web site needs work You web site is very good however there is a lot of wasted (White) space on main screen which causes a lot of scrolling while looking at data like my account list. Take out some of the white spaces and extra blank lines so thing fit on an average screen without having to scrolling so much. We don't need a bunch of Logos and picture or adds about serrvices and such as we know what sight we are on.
Date published: 2014-09-20
Rated 5 out of 5 by from
Date published: 2014-08-29
Rated 3 out of 5 by from
Date published: 2014-08-28
Rated 4 out of 5 by from forgot I am grateful for your statement at the begening of the year how much my RMD must be for the next year Also appreciate your reasonable fee to give me the opportunity to invest the money wisely and timely.
Date published: 2014-08-27
Rated 4 out of 5 by from
Date published: 2014-08-26
Rated 5 out of 5 by from Withdraw but grow My goal is to continue to grow the value of the account while taking my Mandatory withdrawal.
Date published: 2014-08-26
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