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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 472.
Rated 5 out of 5 by from great customer service website Schwab met all my requirements and answsered my questions
Date published: 2018-10-01
Rated 5 out of 5 by from Easy to use Schwab is by far the best product available to use on the internet. I am very satisfied to have my IRA managed by Schwab. They keep the responsibility with me and make it easy to trade, buy, or research accounts.
Date published: 2018-09-20
Rated 1 out of 5 by from No one wants to finish my IRA I had one guy help me establish an account but he turned me over to a local rep that disappeared.
Date published: 2018-09-12
Rated 4 out of 5 by from So far so good
Date published: 2018-09-06
Rated 1 out of 5 by from Bad Website I have been a Schwab customer for many years and have always been a big fan. This web site is making me crazy however. I am helping a family member set up a Roth IRA. I simply want to print our a copy of the application form so, my family member can get their info together to submit an on line application to set up an account. I find the form easily, but it is impossible to print out. The form has two spots labeled "print". Clicking on either will result in no action, or will cause the schwab logo to print out and then stop. Why can't the system work?
Date published: 2018-09-04
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