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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 495.
Rated 5 out of 5 by from RMD Easy and simple.
Date published: 2018-11-29
Rated 1 out of 5 by from Incompetent Everything worked great until I had a filing problem. I was misinformed twice. Schwab didn't respond to submissions twice. No one to hold accountable.
Date published: 2018-11-21
Rated 5 out of 5 by from Great low cost investing Super easy interface, great options, and low fees. Makes me feel more in control of my money.
Date published: 2018-11-19
Rated 1 out of 5 by from poor features could not find link to corporate actions/instructions for tender offers. Very poor and highly frustrating.
Date published: 2018-11-15
Rated 5 out of 5 by from Great help when I need it Schwab is full service and meets my requirements for traditional IRA, Roth IRA, bank checking, and bank saving accounts.
Date published: 2018-11-14
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