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Retirement & Planning
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Find an Account That Fits

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Find an Account That Fits

To narrow your choice of accounts, choose your goal and see how each particular type of account could help you get there.

Need help? Call 888-213-4695 anytime.

Choose your goal

Explore this option

Traditional IRA

Tax-deferred growth and contributions may be tax-deductible.

Roth IRA

You invest after-tax dollars, and qualified earnings are tax-free.

Rollover IRA

Lets you reinvest old 401(k) money without withdrawal penalties.

Custodial IRA

A great way to introduce a child to saving, while maintaining control.

Schwab One® Brokerage Account

Our primary brokerage account lets you invest in everything from stocks and bonds to mutual funds, ETFs, and more.

Learn more

Traditional IRA: What you should know Open a Traditional IRA »
Tax-Smart Savings

You pay no taxes on earnings until you make withdrawals, and you may get tax benefits for contributions.

Fees and Minimums

Service fees:

$01

Minimum required to open an account:

$1,0002

Commissions:

$8.95 per online equity trade3

$0 per online trade for Schwab ETFs™ in your Schwab account4

Benefits

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

  • Immediate tax benefits if you qualify
  • The opportunity for potential gains to grow tax-deferred—pay no taxes until funds are withdrawn in retirement
  • Retirement planning tools and resources in Understanding IRAs
  • 24/7 service and support
Roth IRA: What you should know Open a Roth IRA »
Fees and commissions

Service fees:

$01

Minimum required to open an account:

$1,0002

Commissions:

$8.95 per online equity trade3

$0 per online trade for Schwab ETFs™ in your Schwab account4

Benefits

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

  • Tax-free qualified withdrawals
  • No mandatory withdrawals (unlike a Traditional IRA)
  • Retirement planning tools and resources in Understanding IRAs
  • 24/7 service and support
Rollover IRA: What you should know Open a Rollover IRA »
Fees and commissions

Service fees:

$01

Minimum required to open an account:

$1,0002

Commissions:

$8.95 per online equity trade3

$0 per online trade for Schwab ETFs™ in your Schwab account4

Benefits

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

  • A tax-smart way to keep your retirement money invested and avoid early withdrawal penalties5
  • Hassle-free rollover help from start to finish
  • Retirement planning tools and resources in Understanding IRAs
  • 24/7 service and support
Custodial IRA: What you should know Open a Custodial IRA »
Fees and commissions

Service fees:

$01

Minimum required to open an account:

$100

Commissions:

$8.95 per online equity trade2

$0 per online trade for Schwab ETFs™ in your Schwab account3

Benefits

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

  • Your choice of a Roth IRA or Traditional IRA
  • Control of the account until your child turns 18 (or 21 in some states)
  • Penalty-free withdrawals for qualified higher education expenses
  • Retirement planning tools and resources in Understanding IRAs
  • 24/7 service and support
529 College Savings Plan: What you should know Open an account »
Fees and Minimums

Service fees:

$01

Minimum required to open an account:

$25 (waived if your automatic contribution is at least $25 per month)

Benefits

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

  • Tax advantages
  • Higher contribution limits than an education savings account
  • 24/7 service and support
Education Savings Account: What you should know Open an account »
Fees and Minimums

Service fees:

$01

Minimum required to open an account:

$1,0002

Commissions:

$8.95 per online equity trade3

$0 per online trade for Schwab ETFs™ in your Schwab account4

Benefits

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

  • Account earnings can grow tax-deferred
  • Withdrawals are tax-free when used for qualified education expenses5
  • Contributions can be made to an education savings account and a 529 plan for the same beneficiary in the same year
Schwab One Custodial Account: What you should know Open an account »
Fees and Minimums

Service fees:

$01

Minimum required to open an account:

$100

Commissions:

$8.95 per online equity trade2

$0 per online trade for Schwab ETFs™ in your Schwab account3

Benefits

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

  • All the benefits of our popular Schwab One® brokerage account
  • No contribution limits
  • No gift tax for 2013 contributions up to $14,000 ($28,000 per couple) for each beneficiary in a single year
  • Withdrawals that can be made at any time and for any purpose, as long as they benefit the beneficiary
  • Tax-free earnings on the first $950
  • A reduced tax rate on earnings over $950
  • 24/7 service and support

Please note:

  • All assets are held in the child's name
  • 20% of the assets will be considered when applying for financial aid
  • A Custodial Account is an irrevocable gift and must be turned over to the child when he or she reaches the age of majority, typically 18 or 21, depending on the state
Schwab One Brokerage Account: What you should know Open an account »
Fees and commissions

Service fees:

$01

Minimum required to open an account:

$1,0002

Commissions:

$8.95 per online equity trade3

$0 per online trade for Schwab ETFs™ in your Schwab account4

Benefits

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

  • An accessible platform to trade stocks, options, bonds, ETFs, mutual funds, CDs, and more5
  • Access to professional-level proprietary and third-party research and tools
  • Expert perspectives on today's markets
  • Easy access to your money with a Visa® check card, checks, online bill pay, and fund transfers
  • 24/7 service and support
  • Freedom to manage your money and deposit checks from anywhere using Schwab Mobile6

Ready to get started with Schwab?

Talk to us:

Already a Schwab client?

Get a Personal Portfolio Review.

  • Review your goals and strategies.
  • Discuss investment approaches.
  • Ask questions.

Call 888-213-4695 for details.


1. There are no fees to open or maintain your account. Other fees may apply; please see the Charles Schwab Pricing Guide for details.

2. The $1,000 minimum required to open an account is waived if you set up an automatic monthly transfer of at least $100 through direct deposit or Schwab MoneyLink® or open a Schwab Bank High Yield Investor Checking® account linked to your brokerage account.

3. Restrictions apply: The $8.95 commission does not apply to foreign stock transactions, large block trading transactions requiring special handling, or restricted stock transactions. All broker-assisted and automated phone trades are subject to service charges. See the Charles Schwab Pricing Guide for details. Employee equity compensation transactions are subject to separate commission schedules.

4. Restrictions apply: Online trades of Schwab ETFs are commission-free at Charles Schwab & Co., Inc. (member SIPC), while trades of certain third-party ETFs are subject to commissions. Broker-assisted and automated phone trades are subject to service charges. Waivers may apply. See the Charles Schwab Pricing Guide for details. All ETFs are subject to management fees and expenses.

5. The account must be approved and funded before trading can occur.

6. System availability and response times are subject to market conditions and mobile connection limitations. The Schwab Mobile Deposit™ service is subject to certain eligibility requirements, limitations, and other conditions. Enrollment is not guaranteed, and standard hold policies apply. Click here for details.

Investors should carefully consider information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling Schwab at 800-435-4000. Please read the prospectus carefully before investing.

Investment returns will fluctuate and are subject to market volatility, so an investor’s shares, when sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with Charles Schwab & Co., Inc. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

The consultation is complimentary, although the implementation of any recommendations made during the consultation may result in trade commissions or other fees, charges, or expenses. During the consultation, specific advice and recommendations are limited to assets held at Schwab by clients with an existing Schwab retail brokerage account. Examples may be provided of the advice and recommendations that might be offered if outside assets were transferred to Schwab; however, such information is for educational purposes only. 



The information here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The type of securities and investment strategies mentioned may not be suitable for everyone. Each investor needs to review a security transaction for his or her own particular situation.

The information on this website is for educational purposes only. It is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner, or investment manager.