Plan for your family’s needs

Marriage, children, mortgage, college: They’re milestones to celebrate—and to save up for. We’ll help you get started.

  • Wedding image

    Wedding

  • Down payment image

    Down Payment

  • College tuition image

    College Tuition

  • Vacation image

    Vacation

  • Estate planning image

    Estate Planning

 

Build your family’s financial future

Set the ground rules early

 

If you’re engaged or newly married, sit down with your partner and set some ground rules: How do we pay the bills? How often do we review finances together?

Watch the video

Start saving for college

 

If (or when) you have kids, it is a good idea to start saving for their education as soon as possible. You can start by choosing the right college savings account.

Read the article

Don’t forget about taxes

 

Just like your family, taxes should be part of your long-term planning. And like your family, the way you deal with them should vary depending on what life stage you’re in.

Watch the video

Protect and plan for your estate

 

You may want to avoid it, but creating a will is one of the most important things you can do to protect your assets and provide for your family.
 

Read the article

Did you know image
Did you know?

When it comes to financial planning (and almost anything else), every family is different. But it’s always possible to be better prepared for the future.

61%

of families have not set up a college savings plan


Source: Sallie Mae, 2015

70%

of Millennial couples waited until marriage to start a joint account

Source: mainstreet, 2014

But what if ...

I don’t want to open a joint account with my spouse?

I don’t want to open a joint account with my spouse?

There are reasons to keep your money separate—or for compromises like a combination of joint and individual accounts.

Read the article

My spouse is older (or younger) than I am?

My spouse is older (or younger) than I am?

Some key financial issues will be different for a 40-year-old than they would for a 50-year-old. But there are ways to balance both partners’ needs.

Read the article

I’m buying my first house?

I’m buying my first house?

It’s a complicated process and it’s easy to get intimidated by it. You should start by breaking it down, step-by-step.

Read the article
$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

Find the right account for you and your family

Custodial Account

Help build a child’s future
 

An account managed by a parent or other custodian for the benefit of a minor child.

Coverdell ESA

Start saving for the college years
 

A Coverdell Education Savings Account helps you save for qualified primary, secondary, and post-secondary educational expenses.

Trust and Estate Account

A full toolkit for estate administrators
 

A brokerage account managed by an executor, conservator, or trustees, for the benefit of an estate.

Maxed out your retirement savings?

If you’ve reached the contribution limit on your 401(k) and IRA plans, you can still keep saving with a brokerage account. It may be taxable, but it’ll give you more investing choices.

Have you reached your retirement account limits?

Retirement savings image
  • 401(k)
    Maximum contribution:
    $18,000/year (age 49 and under)
    $24,000/year (age 50 and over)
  • Roth and Traditional IRAs2
    Maximum contribution:
    $5,500/year (age 49 and under)
    $6,500/year (age 50 and over)
  • Brokerage Account

    No contribution limits
    Access to our full range of investments
    Withdraw funds at any tme without penalty

  • Tax-deferred
  • Taxable
 

Plan for the long term, act in the short term

Open a brokerage account

 

Buy and sell our full range of investments. Add and withdraw funds on your schedule.
 

Open an account

Learn the tax rules

 

How much of your investment income is taxable? At what rate? And how can you lower your tax bills? This guide can help.
 

Watch the video

Get ready for retirement

 

Living on retirement income isn’t like living on a paycheck. Learn how taxes, inflation, market risks, and other issues will affect your finances.

Read the article

Explore investing ideas

 

A brokerage account gives you more choices than an IRA or 401(k). Explore our Investing Ideas section to find some great ways to build your portfolio.

Start now

Did you know image
Did you know?

Retirement isn’t what it used to be. Changing laws and regulations are transforming Americans’ long-term plans.

$1,341/
month

estimated average Social Security benefit amount per person

Source: Social Security (ssa), 2016

67

full retirement age for Social Security benefits if you were born in 1960 or later4



Source: Social Security (ssa), 2016

But what if ...

I don’t want to manage my own investing portfolio?

I don’t want to manage my own investing portfolio?

Good news: you don’t have to. Work with our pros or get an Adaptive Portfolio—it’s built around your goals, and adjusts itself to keep you on track.

Learn more

I want to retire early?

I want to retire early?

If you start withdrawing from your 401(k) or IRA before age 59½, you could face tax penalties. But there are strategies that could minimize the hit.

Read the article

I want to hold off on withdrawals?

I want to hold off on withdrawals?

If you’re over 70½, you’ll need to take required minimum distributions from some of your retirement accounts, or face tax penalties. Be sure to learn the rules.

View the video
$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

Find an account solution for the long run

Brokerage Account

Invest where you want, whenever you want
 

Take on the market with our full suite of investments, along with E*TRADE's innovative tools, people, and expertise.

Adaptive Portfolio

The self-adjusting portfolio3 from E*TRADE Capital Management
 

Get an online4 diversified portfolio that's built around your financial goals, time horizon, risk tolerance and is automatically rebalanced as necessary to help you stay on track.Get started with a $10,000 initial investment.

 

Managed Investment Portfolios

Managed accounts with low initial investment minimum from E*TRADE Capital Management
 

Financial Consultants work with you to select a diversified Managed Investment Portfolio built around your needs. Get started with a $25,000 initial investment.

Prepare for the unexpected

Crises happen. An emergency fund can help you stay in control and recover faster.

  • Job loss - image

    Job Loss

  • Medical emergency image

    Medical Emergency

  • Home repairs image

    Home Repair

  • Travel expenses image

    Travel Expenses

  • Car trouble image

    Car Trouble

 

Be prepared

Create a budget

 

How much can you afford to invest? If you’re not sure, make a budget—it’ll help you balance investing against other expenses.
 

Read the article

Plan it out

 

Learn why you need an emergency fund, how big it needs to be, and how to get started building it.

 

Watch the video

Pick your investments

 

You want to get more money, but you don’t want to tie your money up in long-term investments. We’ll help you understand how to invest for the short term.

Read the article

Get started

 

Open a brokerage account to start putting your money to work—with help from our market analysis, trading tools, and more.
 

Open an account

Did you know image
Did you know?

If you’re worried about picking the perfect investments, don’t be. The important thing about investing money is just getting started.

56%

people in the U.S. don’t have a rainy day fund that would cover three months of expenses 


Source: Financial Industry Regulatory Authority (FINRA), 2013

But what if ...

I have debt I need to pay off?

I have debt I need to pay off?

If you’re facing a high interest rate (on a credit card, for example), you’ll need to consider finding the right balance between paying down your bills and growing your emergency fund.

Read the article

I’m not sure which investments to buy?

I’m not sure which investments to buy?

Our brokerage account gives you access to a wide range of investment choices, along with articles, tutorials, and live assistance to help guide your decision.

Learn more

I’m worried about taking too much risk?

I’m worried about taking too much risk?

You don't need incredibly risky investments to save for a rainy day. There is a wide spectrum of bond mutual funds, for example, that could give you access to investments along the risk spectrum.

Learn more
$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

Find the right account for your emergency fund

Brokerage Account

Invest where you want, whenever you want
 

Take on the market with our full suite of investments, along with E*TRADE's innovative tools, people, and expertise.

E*TRADE Pro5

Take control with our most powerful tools
 

Designed for active traders, this account offers access to our professional-grade market data, idea-generating tools, and more.