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Individual and Roth Individual 401k Plans

Individual and Roth Individual 401(k) plans offer the maximum retirement savings for self-employed individuals and spouses. The Individual 401(k) offers tax-deferred growth potential. The Roth Individual 401(k) account offers tax-free growth potential. Use either plan or both plans together to maximize your retirement savings.

Why an E*TRADE Individual and Roth Individual 401k?

  • Easy, cost effective plan for owner-only small businesses
  • No minimum initial deposit
  • No annual fees and no account minimums
  • Generous contribution limits for self-employed individuals
  • Salary deferrals up to $17,500 with a $5,500 catch-up provision if age 50 or older. These salary deferrals can be split between the pre-tax Individual 401(k) account and the after-tax Roth Individual 401(k) account
  • Profit Sharing employer contributions up to $51,000 in 2013 ($52,000 in 2014), not to exceed 25% of compensation. This discretionary contribution must be made to the pre-tax Individual 401(k) account
  • Total of salary deferrals and profit sharing contributions cannot exceed $51,000 in 2013 ($52,000 in 2014) ; $56,500 in 2013 if age 50 or older ($57,500 in 2014), or 100% of compensation
  • Individual 401(k) contributions are generally contributions that are deductible as a business expense
  • Able to borrow against your retirement assets
  • Able to roll over or transfer assets from SEP-IRAs, SIMPLE IRAs, Profit Sharing and Money Purchase plans into the pre-tax Individual 401(k) account
  • Roth Individual 401(k) participants may still have and contribute the maximum allowable amount to a Roth IRA in addition to their Roth Individual 401(k) contributions

Full Range of Investment Choices

  • Invest in stocks, bonds, options, 8,000+ mutual funds, exchange traded funds, and IPOs1
  • 1,300+ no-load, no-transaction fee funds2
  • Exclusive Mutual Fund3 and ETF4 All-Star lists & target date funds5
  • Comprehensive Exchange-Traded Fund (ETF) Center
  • Ongoing Portfolio Management from E*TRADE Capital Management with just $25,000 Learn More
  • Investment professionals to help you with asset allocation strategies6

Investing & Trading Tools

  • Get an action plan plan in 15 minutes with our Retirement Calculator
  • Complete View of all your E*TRADE accounts
  • Easy-to-use stock, mutual fund, and ETF screeners
  • Portfolio Analyzer and easy-to-use investing tools
  • Make plan contributions online from outside accounts with Quick Transfer7

Guidance, Insights and More

  • FREE market commentary & insights from industry professionals8
  • FREE retirement planning education9
  • Personalized investment advice & guidance10

Eligibility Requirements

  • Available to self-employed individuals with no employees other than a spouse, including sole proprietors, partnerships, corporations, and "S" corporations.
  • Individual 401(k) and Roth Individual 401(k) accounts must be established by December 31 of the tax year to which the qualifying contribution(s) will apply.
  • Contribution deadlines can be found here.

Get Started

  • Download an Application to get started
  • Download, print and read the plan documents you need to keep on file
  • No minimum initial deposit or balance requirements to open the accounts.
  • Once we receive your application, we'll send you a Welcome Kit containing your account number, user id, and password. You can begin investing as soon as you receive it

For assistance speak to a Small Business Retirement Plans Specialist at 1-888-402-0654.

Need Help?

Chat Live Now

or call 1-800-ETRADE1 (1-800-387-2331)

Pricing Standard 150-1499
Trades/QTR
Stock & Options TradesDetails $9.99 $7.99
Options ContractsDetails $0.75 $0.75
Bonds
(online secondary trades)
Details
$1.0011 $1.0011
Broker-Assisted TradesDetails Add $25 Add $25
Mutual FundsDetails 8,000+ available - 1,300+ no-load, no-transaction-fee2
IRAsDetails No annual IRA fees and no account minimums
Recognized Excellence
Get up to $600 cash credit for deposits or transfers made within 45 days of account opening. Follow these 2 easy steps:

1. Mail or fax your completed small business retirement plan application to us
2. Call Customer Service at 1-888-402-0654 once your account is open to be enrolled in and receive the offer.

Deposit or Transfer
Receive
$25K - $99,999
$200
$100K - $249,999
$300
$250K and above
$600*
And open an account with $10,000 or more and receive free stock & options trades for 60 days once funds become available.
*Call us to see how you can qualify for more at 1-800-ETRADE-1

4 Easy Ways to Fund Your Account

Wire Transfer

A wire transfer is an electronic transfer of money between different financial institutions.

How to Request a Wire Transfer
To Wire Money to Your E*TRADE Securities Account

Contact your other financial institution and ask them to wire funds to E*TRADE Securities. You'll need to provide them with information below.

You can complete and print out an easy Wire Transfer Form here.

If your financial institution is located in the United States:
The Receiving institution information:

E*TRADE Securities LLC
PO Box 484
Jersey City, NJ 07303-0484
ABA Transit Routing Number: 056073573

Your information:

The amount you want to wire

Your eight-digit E*TRADE Securities account number. (Your account number can be found on the Complete View page when you first log in.)

Your name and address

If your financial institution is located outside the United States:

The receiving institution information:

Wells Fargo Bank, N.A.
420 Montgomery Street
San Francisco, CA 94104
Swift Code: WFBIUS6S
FBO: E*TRADE Clearing LLC
Routing Number: 056073573

Your information:

The amount you want to wire in U.S. dollars

Your eight-digit E*TRADE Securities account number

Please note, your wire should ONLY be routed through the Wells Fargo WFBIUS6S swift code if your international bank does not have a correspondent US Bank. Any attempt should be made by your bank to send directly to aba 056073573 as sending through the additional account may lead to delays in the processing of your wire.

Your name and address

Funds Availability

New Customer
Same business day if received before 6 p.m. ET

 

Existing Customer
Same business day if received before 6 p.m. ET

For details on how to Wire Money into an E*TRADE Bank deposit account as well as funds availability information for Wire Transfers to and from E*TRADE Bank deposit accounts please click here

Check the status of your wire request in the Customer Service Online. You'll also receive updates online via Smart Alert.

Transfer An Account

Transferring an account simply means moving cash or securities from an outside financial institution to E*TRADE. Consolidating assets will simplify your life and make managing your finances much easier with the extraordinary value, tools, and guidance E*TRADE provides.

NOTE: This option is only available for funding brokerage accounts.


Log on and use our easy Transfer an Account Feature for the fastest delivery. It will guide you step-by-step through the process.

You'll want to have the following information from your monthly statement handy:

The name of the delivering institution
Your account number at that institution
The registration (ownership of the account)

If you prefer, or if you are changing the account registration, you can complete our paper Account Transfer Form and mail it to the address provided.

Transfer Now
Log On Required

If Transfer Request Submitted:

Electronically
Via Mail

Assets Typically Delivered:

In as little as 10 business days
3-6 weeks

Check the status of your account transfer in the Customer Service Online. You'll also receive updates online via Smart Alert.

Mail A Check

You can easily deposit many types of checks4 and drafts into your account by mail. Below, you'll find instructions for brokerage accounts. Learn how to deposit securities certificates.


How To Make A Deposit By Check

To Deposit a Check to Your E*TRADE Securities Account

Make the check payable to E*TRADE Clearing LLC. Write your eight-digit account number on the memo line. (For IRA contributions, note the tax year in the memo line as well.)

Attach a deposit slip (if you have one) and mail it to:

Regular U.S. Mail
E*TRADE Securities LLC
PO Box 484
Jersey City, NJ 07303-0484

Overnight Mail
E*TRADE Securities LLC
Harborside Financial Center
501 Plaza 2
34 Exchange Place
Jersey City, NJ 07311

Funds Availability

5 th business day after posting to your account if deposited prior to 4 p.m. ET For details on how to Make a Deposit by Check to an E*TRADE Bank deposit account as well as the funds availability information for check deposits for E*TRADE Bank deposit accounts please click here.

Check the status of your deposit in Customer Service Online. You'll also receive updates online via Smart Alert.

Checks, drafts, and securities certificates can be deposited in person at many of our network of E*TRADE Branches nationwide. Click here to locate a branch near you.

Free Quick Transfer

Quick Transfer is a free online service that allows you to move money between E*TRADE Accounts and from outside institutions. It's easy, convenient, and 100% protected by our exclusive E*TRADE Complete™ Protection Guarantee.

  1. Select the appropriate accounts from the From and To menus, and enter your transfer amount.
  2. Enter the date you want the transfer to occur in the Date field.
  3. Select how often you want your transfer to occur from the Frequency menu, and then click Transfer.
Transfer Now
Log On Required

Help with Transfer

Transfer money to and from accounts at other institutions

Add External Account
Manage External Accounts

Transfers between E*TRADE accounts
Immediately
if request is received prior to 4 p.m. ET; otherwise next business day

Transfers from external accounts to E*TRADE Securities account
3rd business day
after the day of deposit, if transferred by 4 p.m. ET

*For details on funds availability for Quick Transfers to and from E*TRADE Bank deposit accounts, E*TRADE IRA accounts, or E*TRADE Home Equity Lines of Credit please click here.

Check the status of your deposit in the Pending and History tabs of Quick Transfer. You'll also receive confirmation of your request online via Smart Alert.