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Roth IRA

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Open a Roth IRA and take advantage of after-tax benefits as you save for retirement.

Ready to get started?

Open a Roth IRA

Here’s what you’ll need:

  • Social Security number
  • Driver’s license number
  • Employer’s name and address
  • Statement information for assets or cash you may want to transfer
  • Beneficiary information
  • No fees to open or maintain your account—other charges may apply1
  • A range of stocks, bonds, ETFs, mutual funds, and CDs to choose from
  • Easy access to financial professionals and various investment tools

What are the fees and commissions?

  • $0 account open or maintenance fees. Other account fees, fund expenses, and brokerage commissions may apply.1
  • $0 account minimum.
  • Commissions: $4.95 per online equity trade;2 $0 per Schwab ETF online trade in your Schwab account.3

What do I get when I open a Roth IRA?

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

  • Qualified withdrawals can be made tax-free
  • No mandatory withdrawals (unlike a Traditional IRA)
  • Retirement planning tools and resources in Understanding IRAs
  • 24/7 service and support

See Client Reviews

Quick answers to related questions

Here are responses to some of the most common questions we hear. If you have a specific question, please call us at 866-855-5636.

Take the next step.

Call
866-855-5636
or

Helpful Resources

We’ll help you choose the right account. Call 877-627-7734 or visit a local branch.

Your New Client Concierge will help you take care of the paperwork, transfer assets, and more.



Individual Retirement Account is rated 4.1 out of 5 by 517.
Rated 5 out of 5 by from Helpful as always Dependable results
Date published: 2019-02-26
Rated 5 out of 5 by from
Date published: 2019-02-21
Rated 5 out of 5 by from Awesome Customer Service
Date published: 2019-02-21
Rated 1 out of 5 by from Poor Self Service Was trying to access information on Roth IRA conversion and despite finding some promising links through the search box, they all kept linking me back to the main Roth/Retirement savings page. Poor execution!
Date published: 2019-02-21
Rated 5 out of 5 by from
Date published: 2019-02-16
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