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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  • Potential gains accumulate tax-deferred—pay no taxes until funds are withdrawn in retirement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?

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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.


    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 4.228 out of 5 by 557.
Rated 5 out of 5 by from good investment choices!!! I love investing with Schwab, they have low minimums to start and low cost index funds. so if you are a small with low capital investor Schwab will be a good choice.
Date published: 2014-10-14
Rated 5 out of 5 by from Our IRAs at Charles Schwab Charles Schwab has an abundance of tools, research, and analysis available to make informed investment decisions. They are user friendly and all available online. We’ve be with Charles Schwab for over 20 years and recently considered switching until I found out the competitor was severely lacking in online features to help manage our IRAs.
Date published: 2014-10-07
Rated 4 out of 5 by from Web site needs work You web site is very good however there is a lot of wasted (White) space on main screen which causes a lot of scrolling while looking at data like my account list. Take out some of the white spaces and extra blank lines so thing fit on an average screen without having to scrolling so much. We don't need a bunch of Logos and picture or adds about serrvices and such as we know what sight we are on.
Date published: 2014-09-20
Rated 5 out of 5 by from
Date published: 2014-08-29
Rated 3 out of 5 by from
Date published: 2014-08-28
Rated 4 out of 5 by from forgot I am grateful for your statement at the begening of the year how much my RMD must be for the next year Also appreciate your reasonable fee to give me the opportunity to invest the money wisely and timely.
Date published: 2014-08-27
Rated 4 out of 5 by from
Date published: 2014-08-26
Rated 5 out of 5 by from Withdraw but grow My goal is to continue to grow the value of the account while taking my Mandatory withdrawal.
Date published: 2014-08-26
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