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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 676.
Rated 2 out of 5 by from lost the holding tracker on this account Schwab appears to be taking away features on my account web site. Bad form.
Date published: 2017-07-11
Rated 4 out of 5 by from Too much emphasis on Schwab preferred (e.g., paid ) accounts When I wanted to invest in a fund I have researched, including Morningstar ratings, I had to pay $75 commission. If you really want the customer to enjoy the investing privilege, ALL of your charges should be in the competitive range (say, $8 to $15). If I want to buy anymore of that fund, I will open an account with them directly.
Date published: 2017-07-09
Rated 4 out of 5 by from Portfolio Performance Info There should be more information int the "Portfolio Performance" Section of the website. There should be Mid Cap info in the asset class info, should show where my portfolio is heavy or light by reign if the world ( i.e. North America, South America, Europe, etc.), and etc.
Date published: 2017-07-08
Rated 5 out of 5 by from great selection and prices Schwab let me build my retirement funds to a point so I could retire.
Date published: 2017-07-06
Rated 5 out of 5 by from I really like this company and product ETF. I am keep receiving good financial statements each month.
Date published: 2017-07-04
Rated 5 out of 5 by from
Date published: 2017-07-03
Rated 5 out of 5 by from Great product options; support when needed; low(est) fees I cannot imagine a better vehicle for managing retirement assets than the Schwab IRA. I am comfortable handling most things myself, but any help I need is always quick, knowledgeable and courteous.
Date published: 2017-07-03
Rated 5 out of 5 by from
Date published: 2017-06-30
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