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Individual Retirement Accounts (IRA)

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Open a Schwab Individual Retirement Account (IRA) for a tax-smart approach to saving for retirement.

Other IRA Options

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 722.
Rated 5 out of 5 by from
Date published: 2017-08-31
Rated 5 out of 5 by from Solid! Never had any issues, all the information and more is there for all levels of investors. Excellent access to friendly and knowledgeable Customer Service.
Date published: 2017-08-31
Rated 5 out of 5 by from Easy to use Easy to deposit, easy to use research online and easy to buy and sell online at any time of the day.
Date published: 2017-08-25
Rated 5 out of 5 by from changing my IRA investment Due to the closure of my investment mutual fund I had to chose another fund
Date published: 2017-08-23
Rated 1 out of 5 by from bad bad online support
Date published: 2017-08-22
Rated 5 out of 5 by from
Date published: 2017-08-22
Rated 5 out of 5 by from
Date published: 2017-08-20
Rated 3 out of 5 by from Nice online interface, good bond department, relatively high commission structure The transaction fees for buying outside mutual funds are excessive. I can buy the same funds for free elsewhere, and may just transfer this account to be able to do so.
Date published: 2017-08-18
Rated 5 out of 5 by from security for life. schwab is the best!
Date published: 2017-08-17
Rated 3 out of 5 by from I've been using Schwab for many years because it's easy to navigate. Each new "improvement" makes it more difficult and makes me want to explore other companies. Keep it up and you eventually will lose my business.
Date published: 2017-08-16
Rated 4 out of 5 by from
Date published: 2017-08-15
Rated 4 out of 5 by from
Date published: 2017-08-12
Rated 5 out of 5 by from
Date published: 2017-08-11
Rated 5 out of 5 by from Great Resource and Easy to use Schwab has helped me to meet my goals towards retirement. Their website is easy to navigate. Their research is helpful as well.
Date published: 2017-08-10
Rated 5 out of 5 by from no hastle everything u can ask for in an account
Date published: 2017-08-09
Rated 5 out of 5 by from Easy Peasy The Schwab crew constantly tries to improve on already easy and very well staffed firm that is a pleasure to interact with. The staff, when contacted, goes over the top with information. They always answer questions quickly, accurately and with a great attitude. They always ask to do more for you than the original questions.The service factor is off the scale. Thanks Mr. Schwab! You done good!!
Date published: 2017-08-09
Rated 1 out of 5 by from Your chart page keeps freezing. Your Chart page keeps freezing. I've been having this problem for 3 months and it makes it impossible to due technical analysis of stocks. This is something you need to fix or you are going to start losing clients including me.
Date published: 2017-08-09
Rated 5 out of 5 by from Easy to access. I appreciate how accessible my money is to me! I can see where it is and have access in an instant, no hassle!
Date published: 2017-08-08
Rated 4 out of 5 by from Beginner Schwab offers many services and features.
Date published: 2017-08-07
Rated 4 out of 5 by from
Date published: 2017-08-07
Rated 4 out of 5 by from RMD in confusion Need way for better advice on RMD.
Date published: 2017-08-04
Rated 5 out of 5 by from Good Advice always available Overall, Schwab has a wide variety of mutual funds that are VERY competitive. Add to that the low cost for buying/selling stocks and the good information available to make educated decisions. That is a winning combination to me.
Date published: 2017-07-28
Rated 5 out of 5 by from Best Financial Group!
Date published: 2017-07-28
Rated 5 out of 5 by from Great features! Schwab has met all my requirements for both IRA and Taxable account.
Date published: 2017-07-27
Rated 4 out of 5 by from
Date published: 2017-07-27
Rated 1 out of 5 by from Disastrous Customer Followup / Beware of Bait and Switch tactics
Date published: 2017-07-26
Rated 1 out of 5 by from Totally not user friendly No information on how to use my account. Too much information that doesn't seem to apply to my type of account.
Date published: 2017-07-23
Rated 5 out of 5 by from Schwab IRA Schwab has low cost investment options that meet my needs and tools that help me find and evaluate investment opportunities.
Date published: 2017-07-21
Rated 3 out of 5 by from It is okay! I would like a bit more review/recommendations. Do not want to hire your guys.
Date published: 2017-07-21
Rated 5 out of 5 by from Helpful and easy. Easy to search for info and any help you may need .
Date published: 2017-07-20
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