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Step 1

Learn to love tax-advantaged investing

We get it. It's hard to plan for dinner tonight, let alone for events that might be 30 years down the road. The truth is that you don't need to have a perfect plan carved in stone. Just take the first step, and put the potential power of tax-deferred compounding on your side.

Invest in tax-advantaged accounts

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Embrace your employer plan

You can contribute up to $18,500 a year on a tax-deferred basis right from your paycheck. Your employer might even chip in by matching part of your contribution.

Learn more

Supplement with an IRA

A tax-advantaged Roth or Traditional Individual Retirement Account (IRA) can be used to add to your retirement nest egg. At E*TRADE, there are no annual IRA fees and no account minimums.
(Transaction fees, fund expenses, brokerage commissions, and service fees may apply.)

Select an IRA

Consolidate and compound

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The power of compounding

Investing early and often offers the potential to put the power of compounding interest to your advantage.

See the power at work

Consider consolidation

Having all of your assets under one roof may help make planning and investing for your future easier. Learn if consolidating may make sense.

Explore your options

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Step 2

Contribute to your future well-being

Yeah, it's trite. But when it comes to investing for retirement, slow and steady often does win the race. Invest as much as you can, for as long as you can. Even if you're getting a late start, every little bit may help.

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Feed your IRA each year

You just opened your E*TRADE IRA (or maybe you already had one). Now it’s time to fund it.

  • You can currently contribute up to $5,500 a year ($6,500 if you’re age 50 or older)
  • Remember, skipping a year can be costly, so try to be consistent if you can

Contribute now

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Make investing automatic

Wouldn’t it be great if you didn’t even have to think about investing? That’s the beauty of recurring transfers.

  • Just have a specified amount automatically transferred into your IRA at set intervals
  • Even small contributions can really add up—and you won’t miss the money

Set up recurring transfers

Get up to $600 plus 60 days of commission-free stocks and options trades for deposits and transfers of $10k or more.1 How it works
Get up to $600 plus 60 days of commission-free stocks and options trades for deposits and transfers of $10k or more.1 How it works
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Step 3

Make your money work hard (so you don’t have to)

The last piece of the puzzle is putting your money to work in the market. There will almost certainly be ups and downs, but if you keep your eyes on the long-term prize, you’ll be on your way.

Take control with our tools...

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Full range of investment choices

Invest for the future with a full range of stocks, options, mutual funds, and exchange-traded funds (ETFs).

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Investing styles

Consider your investment objective, risk tolerance and time horizon to discover an investing style. Then use our tools like ETF or Mutual Fund Screeners to help find investments that meet your needs. 

Explore investing styles

... and guidance

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Get guidance on demand

Our experienced Retirement Specialists and Financial Consultants can help you understand your choices, select the appropriate accounts, and choose investments that match your needs.

Call 877-921-2434

Full portfolio management

With E*TRADE Personalized Investments, we build, monitor, and manage a diversified portfolio customized to help meet your needs. You have a range of choices, keep control of your investing strategy, and can start with just $5,000.

Discover Personalized Investments