Download the Schwab app from iTunes®Get the AppClose

  • Find a branch
  • Chat
To expand the menu panel use the down arrow key. Use Tab to navigate through submenu items.

Accounts & Products
Let's chat
Professional answers 24/7
Hi, have questions about your retirement? I can help …
Live chat
.
 

Individual Retirement Accounts (IRA)

Print

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 4.2 out of 5 by 621.
Rated 5 out of 5 by from
Date published: 2016-12-23
Rated 5 out of 5 by from 30+ years of outstanding service, low costs, and reliability Over my working life, I've had 401k accounts with other brokerage/financial institutions. But none have provided the level of service that Charles Schwab has given me for over 3 years. Great customer service, reliable systems, full range of investments, and excellent value.
Date published: 2016-12-22
Rated 5 out of 5 by from easy to navigate At least 15 years of satisfaction
Date published: 2016-12-12
Rated 4 out of 5 by from
Date published: 2016-12-12
Rated 5 out of 5 by from MANAGING IRA'S I HAVE HAD IRA'S WITH SCHWAB FOR MANY YEARS AND I AM HAPPY THAT THEY MANAGE THEM TOTALLY..
Date published: 2016-12-10
Rated 5 out of 5 by from Easy of access / Great research Extremely easy to access account information. Very user friendly trading. Generally excellent call-in center assistance is available. Call-in assistance is available 24/7
Date published: 2016-12-09
Rated 1 out of 5 by from
Date published: 2016-12-08
Rated 5 out of 5 by from Fantastic website and tools The website is clean, easy to use, and has many great researching tools.
Date published: 2016-12-06
  • y_2017, m_2, d_20, h_3
  • bvseo_bulk, prod_bvrr, vn_bulk_0.0
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_621
  • loc_en_US, sid_1003, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_schwab