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3 Ways to Start Investing

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3 Ways to Start Investing

Choose your investing approach, and then see the range of account options appropriate for your goals.

Choose your goal.

Retirement

Planning for post-career income and life needs.

Other

Investing other than IRAs, or for other personal goals.

Explore this option.

Traditional IRA

Tax-deferred growth and contributions may be tax-deductible.

Roth IRA

You invest after-tax dollars, and qualified distributions* are tax-free.

Learn more.

Traditional IRA

Open a Traditional IRA »

Tax-Smart Savings

You pay no taxes on earnings until you make withdrawals,1 and you may get tax benefits for contributions.

Fees and Minimums

Service fees:

$02

Minimum required to open an account:

$1,0003

Commissions:

per online equity trade4

$0 per online trade for Schwab ETFs™ in your Schwab account5

Benefits

Every Schwab account comes with investment help and guidance. With this account, you'll get:

  • Immediate tax benefits if you qualify
  • The opportunity for potential gains to grow tax-deferred—pay no taxes until funds are withdrawn in retirement
  • Retirement planning tools and resources
  • 24/7 service and support

Disclosure

  1. Withdrawals are subject to ordinary income tax, and prior to age 59½ may be subject to a 10% federal tax penalty.
  2. There are no fees to open or maintain your account. Other fees may apply; please see the Charles Schwab Pricing Guide for Individual Investors for details.
  3. The $1,000 minimum required to open an account is waived if you set up an automatic monthly transfer of at least $100 through direct deposit or Schwab MoneyLink®.
  4. Restrictions apply: The $4.95 commission does not apply to foreign stock transactions, large block trading transactions requiring special handling, or restricted stock transactions. All broker-assisted and automated phone trades are subject to service charges. See the Charles Schwab Pricing Guide for Individual Investors for details. Employee equity compensation transactions are subject to separate commission schedules.
  5. Restrictions apply: Online trades of Schwab ETFs are commission-free at Charles Schwab & Co., Inc. (member SIPC), while trades of certain third-party ETFs are subject to commissions. Broker-assisted and automated phone trades are subject to service charges. Waivers may apply. See the Charles Schwab Pricing Guide for Individual Investors for details. All ETFs are subject to management fees and expenses.


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*Qualified distributions allow for tax-free withdrawals if you’ve met the 5-year holding period and are older than 59½.

Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

Investment returns will fluctuate and are subject to market volatility, so an investor’s shares, when sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with Charles Schwab & Co., Inc. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends that you consult with a qualified tax advisor, CPA, financial planner, or investment manager.

The information here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The type of securities and investment strategies mentioned may not be suitable for everyone. Each investor needs to review a security transaction for his or her own particular situation.

The information on this website is for educational purposes only. It is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner, or investment manager.

Schwab Intelligent Portfolios® is made available through Charles Schwab and Co., Inc. (“Schwab”) a dually registered investment adviser and broker dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"). Schwab and CSIA are affiliates and subsidiaries of The Charles Schwab Corporation.