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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 769.
Rated 5 out of 5 by from Great experoence I have been with Schwab 17 years and have gain a lot of knowledge throughout the years.
Date published: 2017-10-30
Rated 4 out of 5 by from Schwab Has Been My GoTo Financial and Investment Advisor I really like Schwab and the services they offer. I have been a customer for over 25 years.
Date published: 2017-10-29
Rated 5 out of 5 by from Excellent Service Schwab is an excellent provider of investment services for my self-directed IRA, from low trading costs, to complete accounting an assistance - I highly recommend their services!
Date published: 2017-10-27
Rated 5 out of 5 by from Happy so far- but what's next? I now have 13K in my IRA. I am almost 66. Should i keep investing or should I change my investing strategy?
Date published: 2017-10-27
Rated 5 out of 5 by from
Date published: 2017-10-27
Rated 5 out of 5 by from Everything you need to succeed Excellent research, execution, and security.
Date published: 2017-10-26
Rated 5 out of 5 by from
Date published: 2017-10-26
Rated 5 out of 5 by from sevice very helpful representative explained a change in fund name, and helped me find the quarterly portfolio report on the website
Date published: 2017-10-25
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