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Inherited IRA

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An inherited IRA is created when someone inherits an IRA after the death of the original owner. If you've inherited an IRA or an account in an employee-sponsored retirement plan, consider transferring it to a Schwab Inherited IRA and get one-on-one help and guidance. You'll get all the tax advantages of the IRA, as well as the ability to withdraw funds according to a set schedule over your lifetime.

What are the fees and commissions?

  • $0 account open or maintenance fees. Other account fees, fund expenses, and brokerage commissions may apply1.  Please see the Charles Schwab Pricing Guide for details. 
  • Account Minimum: $1,000
  • Commissions: $8.95 per online equity trade;1 $0 per Schwab ETF online trade in your Schwab account2

What do I get with a Schwab Inherited IRA?

Every Schwab account comes with one-on-one investment help and guidance. With this account, you'll also get:

See client reviews.

Ready to get started?

Call 866-855-5635.


Open a Schwab Inherited IRA today.

Call 866-855-5635 to get started.

See all accounts.

Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. ETF Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

Individual Retirement Account is rated 4.220070422535211 out of 5 by 568.
Rated 5 out of 5 by from Great in every way! I've been a Schwab customer for over 30 years and have NEVER been disappointed! Their service is great and available 24/7/364.
Date published: 2016-05-02
Rated 1 out of 5 by from No Retirement Review Offered I was with Schwab for many years. The webpage offered a complimentary retirement review. When I called I was told that was only for managed accounts despite the fact I had a substantial sum at Schwab. I needed guidance and had to leave Schwab to receive it at a competitor.
Date published: 2016-04-28
Rated 1 out of 5 by from Why are we rating a roth ira? Typical Schwab product - you buy it and you are on your own. Oh, I did get a phone call soon after opening it, some guy that sounded and acted like NY Mafioso, asking where I was going to get the money to fund it, now.
Date published: 2015-11-13
Rated 5 out of 5 by from Website is first-rate. Have moved from other online brokerages because this site the easiest and most complete for me. Tying in a checking account means I have all my financial transactions at same place to avoid confusion and accelerate transfers and review buys and sells. I love Schwab! J
Date published: 2015-09-28
Rated 5 out of 5 by from I am doing AOK I have been with Schwab for 0ver 30 years. Even before I open Schwab accounts, I knew and was convinced that no broker will be there to make my financial decisions for me. I never wanted them to. So I learned to invest myself. Contrary to common thinking, I don't think I spend lot of time doing it. Even when I was working full time as a busy doctor, I was investing myself. On and of I need some technical advises, I get it from Schwab without any problem. All in all I am very happy I have been with Schwab in the last 30+ years. I have been listening to MR Schwab's advise since the beginning of my investing activities: "have faith in the market."
Date published: 2015-07-04
Rated 5 out of 5 by from Easy Account-opening for 401k Transfers The process was simple and easy when I moved my employer 401k over to a Schwab IRA.
Date published: 2015-06-19
Rated 1 out of 5 by from Condescending, patronizing, stonewalling If this is what you like when you call the 800 number, go with Schwab
Date published: 2015-06-16
Rated 5 out of 5 by from I'm a raving fan I started with Schwab as a rookie investor about 20 yrs ago with $5000 to begin my investment journey. I now have a seven figure retirement nest egg in a variety of Schwab retirement accounts. They have grown with me, I love the Schwab ETFs with exceptionally low fees. The website is great and while I'm generally a "self service" gal who loves to make my own investment choices, the Schwab team is always responsive to questions or concerns. I'm a raving fan and very quick to refer friends. I have my main account, my husbands SIMPLE, my rollover IRA, an inherited IRA and a couple non-deductible IRAs. They are able to link all the accounts so I can get a view of my total portfolio including my current employers 401k. I strongly recommend Schwab and plan to keep my money with them forever.
Date published: 2015-03-27
  • 2016-07-26T06:24CST
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