Retirement Investing: Charles Schwab: IRAs at Schwab

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IRA Comparison Tool IRAs at Schwab General IRA FAQs

Investing in a Schwab IRA

Whether or not you have a 401(k), an IRA can be a smart way to make sure you're saving for retirement and— taking advantage of tax benefits as well.

Get one-on-one assistance.
Talk with a Schwab investment professional at 866-855-5636.

Most common types of IRAs

There are two main types of IRAs:

A Traditional IRA can give you tax benefits now, but you’ll have to pay taxes when you take money out in retirement.
A Roth IRA can give you tax benefits later, when you take out your retirement savings tax-free.

Other IRA options include Rollover IRAs, SIMPLE IRAs, SEP-IRAs, Custodial IRAs, and Inherited IRAs. For a closer look at Traditional and Roth IRAs, and to determine which type could be right for you, try our interactive IRA Comparison Tool.

A Schwab IRA is the smart, easy way to save

It's not just easy to open an IRA at Schwab. It's also smart—because at Schwab, there are no huge minimums, no account service fees, and no headaches. You'll also get online resources and personal assistance:

Smart for your money:	No account service fees¹ and a low $1,000 minimum to open. Or get started with as little as $100 a month.
Smart for your time:	Open an account online in about 15 minutes. You can also apply to open your account in person at a branch or by mail (download an application), or call us at 866-855-5636 for personal assistance.
Smart for your future:	Get online tools and resources, plus a complimentary consultation with a Schwab investment professional who can help you decide which investments are right for you.

Schwab IRA investment options
CDs	Choose from a great selection of competitive rates and maturities from FDIC-insured banks across the country.
Bonds and fixed-income solutions	We provide access to thousands of bonds to help you diversify your portfolio and invest for income.
Mutual funds	With over a thousand no-load, no-transaction-fee funds, investing in Schwab Funds® can help you get more for your money.
Stocks	Pay less per trade and get access to market commentary and insights from Schwab experts.
Schwab also offers diversified, one-step portfolios that can help make it easy to move toward your retirement goals:
Schwab Target Funds	With these professionally managed mutual funds, you pick the fund that matches your retirement date, and Schwab does the rest.
Schwab MarketTrack Portfolios®	Easily give your portfolio a diversified base: Choose one of four index fund portfolios—each with a different mix of investments to match your risk tolerance and goals.

Important Disclosures

For a prospectus containing more complete information, including charges and expenses, call Schwab at 800-435-4000. Please read the prospectus carefully before investing or sending money.

The values of mutual funds will fluctuate up to and after the target dates. There is no guarantee that funds with a particular target will provide adequate income at or through the targeted date.

Charles Schwab & Co., Inc., member SIPC, receives remuneration from fund companies participating in the Mutual Fund OneSource™ service for record keeping and shareholder services and other administrative services. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services.

Certificates of deposit are offered through Charles Schwab & Co., Inc. CDs from Schwab CD OneSource are issued by other FDIC-insured institutions, and are subject to change and system access. Unlike mutual funds, certificates of deposit offer a fixed rate of return and are FDIC-insured. There may be costs associated with early redemption and possible market value adjustment.

Fixed-income investments are subject to various risks including changes in interest rates, credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors.

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