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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 apply1
  • Minimum required to open an account: $1,0002
  • Commissions: $4.95 per online equity trade;3 $0 per Schwab ETF online trade in your Schwab account4

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 4.2 out of 5 by 801.
Rated 5 out of 5 by from Unbeatable Schwab is the best in every aspect of business.
Date published: 2017-11-30
Rated 1 out of 5 by from Where is the sell option hiding? No where on this site am I able to find any tab or heading to sell shares. Tons of bloated headings that probably are rarely accessed, but missing one key element - SELL SHARES. Not sure why I'm investing with Schwab if there's no way to get my funds when I need them.
Date published: 2017-11-29
Rated 5 out of 5 by from Schwabmeets all my requirements with care and professionalism
Date published: 2017-11-28
Rated 4 out of 5 by from Using my accounts, since the most recent changes, is very difficult for someone my age.
Date published: 2017-11-28
Rated 5 out of 5 by from comprehensive services The site is easy to use in many respects; transfer beween accounts, buy or sell stock and view positions. Also, it's 7 am pacific time and I got excellent help with a password issue on a Saturday morning. Swab rocks!
Date published: 2017-11-25
Rated 3 out of 5 by from New format of my investments neither user friendly nor helpful. I just logged in. The new format you have introduced is already annoying me, and I do not know how to find out the purchase dates and other germane information I need regarding my quirky and low yielding account. That, added to the impossibility to get anyone to answer the phone is making me wonder why I dont just move my account. I understand the competition out there is vicious, but if you want to help us make informed decisions out here, please try using your products before you foist them on us. Also try calling your company. If you waited 1/2 hour like I have just to ask a simple question, you will also wonder why we remain loyal to Schwab.
Date published: 2017-11-25
Rated 4 out of 5 by from Excellent Service Schwab has met all my needs for Custodial Service, trading and advice.
Date published: 2017-11-24
Rated 5 out of 5 by from Outstanding! great portfolio has exceeded RMD for 9 years since retirement. Financial adviser has been terrific with all questions and advice. No fees for trades or this help is great!
Date published: 2017-11-23
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