Just get started

Invest early and contribute often in an Individual Retirement Account (IRA).

Save now or save later?


Rate of Return

Total Value at Retirement*
$488,290
Select an annual rate of return. This rate will be used to estimate the future balance of an IRA. Actual rates of return cannot be predicted and will vary over time.

*Value based on $5,500 annual contribution to age 49, and $6,500 annually thereafter.2

 

 

Planning a retirement journey

Define your retirement vision

 

Start by taking inventory of current savings, investments, and income.  Then use our Retirement Planning Calculator to create an action plan and track progress.



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Contribute to a 401(k)

 

401(k), IRA, taxable account: Not sure which account(s) to consider when saving for retirement?  Get started by contributing to an employer-sponsored retirement plan to take full advantage of an employer match.


Read more

Start saving

 

Opening an IRA in addition to a workplace plan may help boost a nest egg and provide tax benefits. Set up recurring contributions to automatically save throughout the year.



Open an IRA

Allocate your assets

 

Spreading your retirement investments across a mix of stocks, bonds, and cash can help cushion a portfolio's ups and downs.




Watch the video

Facts

Starting to save early is one of the best retirement choices an investor can make. Here's what can be saved by age 65 if an investor puts $50 a week into an IRA, assuming 5% growth.3


$177,107

if an investor started saving at age 35


$322,018

if an investor started saving at age 25

$

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

Traditional IRA

Potential tax-deductible contributions

Save for retirement with tax-deductible contributions, tax-deferred growth potential, and no annual income limits.

Learn more

Roth IRA4

Tax-free growth potential with tax-free future withdrawals on qualified distributions

Save for retirement and get valuable tax advantages, including the ability to withdraw contributions at any time.5

Learn more

Rollover IRA

Take control of retirement savings

Whether an individual has changed jobs or retired, there are options when considering what to do with a former employer’s plan. Know the pros and cons of each choice.

Learn more

Compare sample risk profiles

Risk and reward go hand in hand. Learn about how feelings about risk may shape an investor's approach by moving the slider below.

Investing style is:

Moderately Aggressive

0% large cap stocks
0% small/mid-cap stocks
0% other
0% International
100% fixed income
0% cash
Less Risky
More Risky

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View assumptions
Historical 30 year returns
Best 12 months
(1987-2016)
+35.65%
Worst 12 months
(1987-2016)
-26.86%
Average 12 months
(1987-2016)
+8.38%
 

Portfolio-building basics

Define your retirement vision

 

Start by taking inventory of current savings, investments, and income.  Then use our Retirement Planning Calculator to create an action plan and track progress.

 

Launch calculator

Automatic Investing Program

 

Make saving for retirement a routine. Put your money to work by scheduling automatic investments in the no-load mutual funds of your choice.

 

Set up automatic investing

The power of diversification

 

Diversification is one of the key concepts in investing. Learn how a mix of investments may help a portfolio see less extreme swings in the market.

 

Watch the video

Five retirement investing myths

 

Just like anything else, retirement saving comes with its share of myths. They may be harmless, but believing them may derail long-term savings plans.

 

Read the article

Facts

As life expectancies go up, retirement savings need to cover more years of living expenses. That’s a good reason to start saving as early as possible.


18 years

average length of retirement in the U.S.



Source: U.S. Census Bureau, 2017


80%

people aged 30–54 who do not believe they will have enough saved for retirement


Source: Statistic Brain, 2017

$

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

Transfer an IRA

Review your current IRA selection

Consolidating assets at E*TRADE can simplify your retirement planning and investing. Our secure online transfer request form makes it easy.

Learn more

Rollover IRA

Take control of retirement savings

Whether you have changed jobs or retired, there are options when considering what to do with a former employer’s plan. Be sure to know the pros and cons of each choice.

Learn more

Managed Accounts

Professional management, diversified portfolios

Tap into professional money management from E*TRADE Capital Management. Choose from an array of customized managed account solutions to help meet your financial needs.

How much can be spent each year during retirement?

See if expectations match likely savings.

 

How much can be spent each year during retirement?

The plan is to have upon retirement, and to spend years in retirement.
Less Risk More Risk

(Assumes an investment portfolio with an expected return of 4.33%)

Estimated Pre-Tax Annual Retirement Income
Powered by Income DiscoveryTM

After retirement

Required Minimum Distribution (RMD) Calculator

 

Are you age 70½ or older? See how much you’re required by the IRS to withdraw from your retirement accounts each year.

 

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Income Estimator

 

Plan for living expenses by estimating the amount of dividends, interest, and other income you may expect to receive from your investment accounts.

 

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Designate beneficiaries

 

Your beneficiaries will receive your IRA assets in the event of your passing. Make sure your beneficiary designations are consistent with your wishes.

 

Update beneficiaries

Retirement Income Analysis

 

An experienced Financial Consultant will estimate your projected income and see if you’re on track to meet your financial needs in retirement.

 

Call 1-877-800-1208

Facts

Retirement planning can be difficult. Know the rules and plan carefully.


90%

of Americans start collecting Social Security before full retirement age



Source: Trends in Social Security Claiming, Center for Retirement Research at Boston College, 2015



8%

added to benefits each year Social Security benefits are delayed beyond full retirement age



Source: ssa.gov

$

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

E*TRADE CompleteTM IRA

Fast, easy IRA withdrawals for investors over 59½

Upgrade a current E*TRADE IRA for more flexibility and convenience, with a range of free cash management features.5,6

Learn more

Rollover IRA

Take control of retirement savings

Whether you have changed jobs or retired, there are options when considering what to do with a former employer’s plan. Be sure to know the pros and cons of each choice.

Learn more

Managed Accounts

Professional management, diversified portfolios

Tap into professional money management from E*TRADE Capital Management. Choose from an array of customized managed account solutions to help meet your financial needs.

Retirement FAQs

See all FAQs

Already have an IRA? Contribute now.

If I have debt, should I be contributing to a retirement account?

This depends on your own financial situation. For example, a credit card balance at 19 percent may be a more urgent issue than a student loan at 5 percent. We encourage you to speak with your E*TRADE Financial Consultant or a financial advisor for more information.

How can an investor contribute to an IRA?

An investor can contribute to an IRA account by transferring funds online from a bank or brokerage account, sending a check, or completing a wire transfer. For more information about ways to make a deposit to an account, see the Help topic, Contribute to an IRA account

An investor is allowed to contribute 100% of earned income up to the annual contribution limit. View IRA Contribution Limits and Deadlines to learn more. 

What is a Roth IRA conversion and how can it be requested?

A Roth IRA conversion is the process of moving assets from a Traditional, Rollover, SEP, or SIMPLE IRA to a Roth IRA. The account owner can convert all or a portion of their IRA. If the account owner is converting a SIMPLE IRA, the account must have been opened for at least two years to be eligible. The deadline to complete a Roth IRA conversion is December 31 of each year (December 29 for 2017). A Roth IRA conversion can be requested by using the online Roth IRA Conversion Request Form.