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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 639.
Rated 5 out of 5 by from Great opportunities. Great way to be able to handle your money in a tax differed setting. Trades are made in a very informed intuitive way.Love it!!!
Date published: 2017-05-05
Rated 4 out of 5 by from Good Perfomer Schwab has handled our IRA very well.
Date published: 2017-05-05
Rated 5 out of 5 by from Wonderful! My first IRA over 30 years ago was with Charles Schwab . After a couple of years that small account went into a competitor's mutual fund. But, after retirement three years ago, the first place I came back to was Schwab when I converted my employment 401(k) to an IRA. Now, all of my accounts are with Schwab. I could not be happier with the service and the choices of investment opportunities.
Date published: 2017-05-04
Rated 2 out of 5 by from What gives? We like that you double check occasionally when we withdraw cash, but today someone, on a recorded line, said she didnt have our correct address, (and you do! and did)...she said you still have our Des Moines address, I don't see it anywhere. I knew we changed our address when we moved. Why isn't the correct one in your internal system?
Date published: 2017-05-02
Rated 5 out of 5 by from Excellent Service, Record Keeping and Technology Schwab offers excellent personal service by advisors, and provides useful and easy to understand reports and user friendly transaction technology for all types of accounts. Annual tax reports are always extremely user friendly. Recently lowered fees are also an attraction. In addition to IRA, personal and Trust accounts, we have a custodial IRA for our daughter and we used Schwab to act as custodian for our company profit sharing plan for many years and found that service to be excellent as well. The only issue I have is that they do not seem to offer a system for pin code log in verification which text's a pin code to your mobile phone as a double security measure against identity fraud.
Date published: 2017-05-01
Rated 1 out of 5 by from Locks me out of account unless I respond to go paperless
Date published: 2017-04-26
Rated 4 out of 5 by from Great Investment Environment Schwab definitely delivers on its message of "owning your future" by providing a great investment environment that allows us to view our portfolio from many different perspectives, learn financial analytics at our own pace and apply what we have learned to our investments. We also take comfort in knowing the answers to our questions are always a phone call away. One additional feature that might be nice would be to provide custom labels for positions in accounts to allow he composite (unrealized) yield of any portion of a portfolio to be shown.
Date published: 2017-04-26
Rated 5 out of 5 by from Rollover IRA Excellent, cost-efficient, professional investment advice. I truly appreciate the select mutual funds and ETF's that help me find some really outstanding funds. I have been very pleased with Schwab and the ease of use for research, trades, and periodic portfolio check-up's. Thank you for making this process simple, yet valuable and very educational.
Date published: 2017-04-25
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