Download the Schwab app from iTunes®Get the AppClose

  • Find a branch
  • Chat
To expand the menu panel use the down arrow key. Use Tab to navigate through submenu items.

Accounts & Products
Let's chat
Professional answers 24/7
Hi, have questions about your retirement? I can help …
Live chat
 

Roth IRA

Print

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 889.
Rated 5 out of 5 by from easy navigation everything I need to know is here
Date published: 2018-03-07
Rated 5 out of 5 by from Best Customer Service Ever! Had to set up my account and take care of RMD paperwork. Your customer service rep, Jonathan (in Phoenix I think), was excellent. He was knowledgeable, went the extra mile to help me, spoke clearly, and made this process easy. Give that boy a raise!
Date published: 2018-03-06
Rated 5 out of 5 by from Great and easy access I rolled this account over from another more restrictive account. I love how easy it is to make trades and to get information on equities.
Date published: 2018-03-05
Rated 5 out of 5 by from Title is fine Very easy to follow each day-- Gives a great indication of trend & direction
Date published: 2018-03-04
Rated 5 out of 5 by from very friendly IRA
Date published: 2018-03-02
Rated 5 out of 5 by from Easy to learn howe to use. Can get information easily when want and need its. Respect my privacy and wish to control how much marketing desired. Is frequently upgraded and improvements are noticeable.
Date published: 2018-03-01
Rated 5 out of 5 by from Great service They helped walk me through rolling over my 403b to an IRA, then once I had the account in place and an online link I found the website to be very easy to navigate and self explanatory.
Date published: 2018-02-27
Rated 5 out of 5 by from Extensive selection of mutual funds and all the information you need to make intelligent choices.
Date published: 2018-02-25
  • y_2018, m_6, d_19, h_5
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.8
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_889
  • loc_en_US, sid_1003, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_schwab