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Traditional IRA

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To reach your retirement goals, we recommend taking full advantage of tax-smart ways to save. With a Schwab Traditional IRA, you won't pay taxes on earnings until you make withdrawals, and you may get immediate tax benefits when you contribute.

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 with this Traditional IRA?

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

  • Immediate tax benefits if you qualify
  • Potential gains accumulate tax-deferred—pay no taxes until funds are withdrawn in retirement
  • 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.

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  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.

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.

Individual Retirement Account is rated 4.2179 out of 5 by 491.
Rated 5 out of 5 by from Easy to use, great service All the things that annoy me about other banks: hidden fees, convoluted websites, the continual pushing of paperless deliver or credit cards, long service wait times, inflexible rules, are absent here. This is a great, online IRA account. Prompt service, flexible, fully featured, along with great access to research, stats, etc. For instance, once I was having an issue with a transfer from another bank and they actually called the bank with me!
Date published: 2014-08-16
Rated 1 out of 5 by from Go elsewhere customer service is bad.Been waiting a week for a check to be mailed across town.Am switching my acct. to another broker.
Date published: 2013-10-04
Rated 5 out of 5 by from SUPPORT LOCAL AND ON LINE SUPPORT HAS BEEN VERY GOOD
Date published: 2013-10-04
Rated 5 out of 5 by from Dividends Overall the website is great. I would really like to see the option to track dividends. As it is now its very difficult to quickly see total income being generated in my account both as a percentage and/ or dollar amounts. thanks
Date published: 2013-10-03
Rated 4 out of 5 by from
Date published: 2013-10-03
Rated 4 out of 5 by from Dividends When dividends are paid, would like to have number of shares shown dividend paid on. TKS
Date published: 2013-10-03
Rated 1 out of 5 by from Staff never says same thing. Moving money from ESA account to Schwab one account is a nightmare. Always have to fill out nine page form with only three checked items to get it done. Sometime telephone call or chat does it other times the obnoxious complicated form is required. A fax to speed things up always gets lost and has no feedback. I have paid late fees on tution and housing requirement when I have mistakenly assumed this could be done in a days time. Staff is not helpful as they have the poet to say, "do it the hard way" and use it. Shape up Charles.
Date published: 2013-10-03
Rated 5 out of 5 by from The process of opening and funding the account could not have been easier.
Date published: 2013-10-03
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