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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 663.
Rated 5 out of 5 by from
Date published: 2017-06-10
Rated 4 out of 5 by from
Date published: 2017-06-09
Rated 5 out of 5 by from Investment information; roll over IRA Agent was knowledgeable, competent, very pleasant and courteous. She found the answers to my many questions, listened to what I wanted to say, and found the answers, either in her scope of experience, or by contacting other divisions. I am very impressed with the quality we have received as we use Charles Schwab.
Date published: 2017-06-07
Rated 3 out of 5 by from Great up front, not much after The Charles Schwab agent was great at helping us get all of our accounts consolidated. However, when it came to actually allocating the funds into growing, i cannot get anyone to call me back to make an appointment to help my wife and i do this. So our money has been sitting in the account for over a year and has not grown one cent.
Date published: 2017-06-07
Rated 5 out of 5 by from no hassel great Schwab has always been there when I needed help and guidance in investing and been a great help.
Date published: 2017-06-06
Rated 5 out of 5 by from I have never had any trouble since help is just a phone call away
Date published: 2017-06-03
Rated 5 out of 5 by from fast service schwab is overall excellent customer service.
Date published: 2017-06-02
Rated 5 out of 5 by from
Date published: 2017-06-01
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