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Roth IRA

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Here's a tax-smart way to help your retirement savings grow. When you open a Roth IRA, your contributions and any earnings grow tax-free and qualified withdrawals can be taken tax-free. At Schwab, you'll get personal investment guidance and great tools and resources.


What are the fees and commissions?

  • $0 account open or maintenance fees. Other account fees, fund expenses, and brokerage commissions may apply1
  • Minimum required to open an account: $1,0002
  • Commissions: $8.95 per online equity trade;3 $0 per Schwab ETF online trade in your Schwab account4

What do I get when I open a Roth IRA?

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

  • Qualified withdrawals can be made tax-free
  • No mandatory withdrawals (unlike a Traditional IRA)
  • Retirement planning tools and resources in Understanding IRAs
  • 24/7 service and support

See client reviews.

Ready to get started?

Need help? Call
866-855-5636.

Take the next step.

  or call 866-855-5636.
  • We're here to help.
  • OPEN

    We’ll help you choose the right account. Call 877-627-7734 or visit a local branch.

  • FUND

    Your New Client Concierge will help you take care of the paperwork, transfer assets, and more.

  • INVEST

    Get a complimentary 1-on-1 consultation to select the right investments based on your goals.


Individual Retirement Account is rated 4.2332 out of 5 by 549.
Rated 5 out of 5 by from
Date published: 2014-08-29
Rated 5 out of 5 by from Schwab A/C It is not often that a company exceeds the expectations of their customer..but, Chas Schwab does exactly that! The web-site is easy to use (intuitive) even for a non-technology person like me. The Schwab employees that I have dealt with are knowledgeable, friendly and they seem to REALLY care about creating customer satisfaction. Here is an example...I was having difficulty using one of the web-site's features, so I called your customer service department. The employee that I spoke with walked me through the issue and was very patient with me. In fact, it turned out that the problem was not with YOUR web-site, it was with MY computer! Your employee still was interested in helping me. Unsolicited, he took the time to help me resolve the issue...and this was not his/your problem! He truly went the extra mile for me. I am extremely satisfied with Chas Schwab. Keep up the good work. A long-time and loyal customer, Kavahead
Date published: 2014-08-26
Rated 5 out of 5 by from
Date published: 2014-08-25
Rated 2 out of 5 by from
Date published: 2014-08-25
Rated 3 out of 5 by from
Date published: 2014-08-25
Rated 5 out of 5 by from Roth for Savings I appreciate all the research options available. Also website is easy to navigate.
Date published: 2014-08-24
Rated 4 out of 5 by from
Date published: 2014-08-24
Rated 5 out of 5 by from Closing in on Retirement I have been a Schwab IRA and personal savings client for over 20 years. I have used them to accumulate my needs for retirement. The online research helped me to pick good, solid mutual funds that have a long term record for return. Now that I am approaching retirement, I am very glad I started with Schwab as a saver/investor.
Date published: 2014-08-24
  • 2015-08-26T06:44CST
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