Opening an E*TRADE IRA is an easy way to get your retirement savings on track and possibly save on taxes. We'll help you choose
the right Individual Retirement Account and provide the guidance, tools, and value you need to meet your retirement goals.
It's Never Too Late to Start Saving for Retirement
When it comes to retirement savings, this is perhaps the most important factor to consider. The sooner you start to save,
the better off you'll likely be. Even if you are only 10-15 years from retirement, you can still save a substantial amount
in an IRA. Discover The Savings Power of an IRA
Which IRA Is Right For You? Compare The Benefits:
Tax-free withdrawals of previous contributions at any time
Tax-free withdrawals of earnings after age 59½ and the account has been open for five years1
Contributions may be tax deductible2
Tax-deferred growth3 - you pay taxes when you take distributions
Eligibility - Age
Any age with earned income
Under age 70½ with earned income
Eligibility — Income Limits
No income limits
$5,500 ($6,500 if you are 50 or older) or 100% of employment compensation, whichever is less
No mandatory withdrawals
Must begin withdrawing money by April 1 following age 70½
WHY CHOOSE E*TRADE FOR YOUR IRA?
No Annual Fees, No Account Minimums So you can keep more of your money working for you.
Automatic Investing Plan4 Automatically deposit into your IRA and reach your maximum contribution each year.
Low Cost Options Including 1,300 no transaction fee mutual funds5 and over 80 commission free ETFs.6
Retirement Guidance and Support We can help you find the right account and select the right investments for you.
Investment Products: • Not FDIC Insured • No Bank Guarantee • May Lose Value
E*TRADE Financial Corporation and its affiliates do not provide tax advice, and you always should consult your own tax adviser
regarding your personal circumstances before taking any action that may have tax consequences.
A distribution from a Roth IRA is federally tax-free and penalty-free provided that the five-year aging requirement
has been satisfied and one of the following conditions is met: age 59½, suffer a disability, or qualified first time home
For a Traditional IRA, full deductibility of a contribution for 2012 is available to active participants whose 2012
Modified Adjusted Gross Income (MAGI) is $92,000 or less (joint) and $58,000 or less (single); partial deductibility for MAGI
up to $112,000 (joint) and $68,000 (single). In addition, full deductibility of a contribution is available for a working
person who is not an active participant in an employer-sponsored retirement plan and is married to someone who is an active
participant whose MAGI is less than $173,000 in 2012. For a Traditional IRA, full deductibility of a contribution for 2013
is available to active participants whose 2013 Modified Adjusted Gross Income (MAGI) is $95,000 or less (joint) and $59,000
or less (single); partial deductibility for MAGI up to $115,000 (joint) and $69,000 (single). In addition, full deductibility
of a contribution is available for a working person who is not an active participant in an employer-sponsored retirement plan
and is married to someone who is an active participant whose MAGI is less.
For Traditional IRAs, penalty-free withdrawals include but are not limited to: qualified higher education expenses;
qualified first home purchase (lifetime limit of $10,000); certain major medical expenses; certain long-term unemployment
expenses; disability; or substantially equal periodic payments.
You can use the Automatic Investment Plan to add to existing mutual fund positions only. If you don't already own shares
in the fund you wish to buy, you must make an initial purchase before you can set up your Automatic Investment Plan.
Automatic investment plans and dollar-cost averaging do not assure a profit or protect against loss in declining markets.
Investors should consider their financial ability to continue their purchases through periods of low price levels.
You can invest in the mutual funds available through E*TRADE Securities' no-load, no-transaction fee program without paying
loads, transaction fees, or commissions. To discourage short-term trading, E*TRADE Securities will charge an Early Redemption
Fee of $49.99 on redemptions or exchanges of no-load, no transaction fee funds that are held less than 90 days. Direxion,
ProFunds and Rydex mutual funds, funds held at least 90 days, or funds purchased before September 1, 2006 will not be subject
to the Early Redemption Fee. All fees and expenses as described in the fund's prospectus still apply. Please read the fund's
prospectus carefully before investing.
You can buy and sell the exchange-traded funds (ETFs) available through the E*TRADE Securities commission-free ETF program
without paying brokerage commissions. For margin customers, the ETFs purchased through the program are not margin eligible
for 30 days from the purchase date. To discourage short-term trading, E*TRADE Securities may charge a short-term trading fee
on sales of participating ETFs held less than 30 days.
This hypothetical example is provided for illustrative purposes only and is not meant to represent the return of any
specific investment product. Data assumes that each age group is making their maximum eligible contribution to an IRA account
at the beginning of each annual period. $5,000 is contributed annually until reaching age 50, then $6,000 is contributed thereafter
until age 65. Investment returns and principal value will fluctuate so that investments, when redeemed, may be worth more
or less than original investment.
Offer valid for one new E*TRADE Securities Retirement account opened by 12/31/2014 and funded within 60 days of account opening with at least $10,000. Other restrictions may apply.
You will receive up to 500 free trade commissions for each stock or options trade executed within 60 days of the deposited
funds being made available for investment in the new account (excluding options contract fees). You will pay $9.99 for your
first 149 stock or options trades and $7.99 thereafter up to 500 stock or options trades (plus 75¢ per options contract).
Your account will be credited for trades within a week. Account must be funded within 60 days of account open.
Credits for cash or securities will be made based on deposits or transfers of new funds or securities from external accounts
made within 45 days of account open, as follows: $1,000,000 or more will receive $2,500, $500,000 - $999,999 will receive
$1,200; $250,000 - $499,999 will receive $600; $100,000-$249,999 will receive $300; $25,000-$99,999 will receive $200. Your
account will be credited within one week of the close of the 45-day window.
You will not receive cash compensation for any unused free trade commissions. Excludes current E*TRADE Financial Corporation
associates, and non-U.S. residents. This offer is not valid for business, Custodial, Estate, LLC, Sole Proprietorship, Unincorporated
Organization or E*TRADE Bank accounts. New funds or securities must remain in the account (minus any trading losses) for a
minimum of six months or the credit may be surrendered. One promotion per customer. E*TRADE Securities reserves the right
to terminate this offer at any time. Consult your tax professional regarding limits on depositing and rolling over qualified
The content presented by E*TRADE Securities is for educational purposes only. The content neither is, nor should be construed,
as an offer, or a solicitation of an offer, to buy, sell or hold any securities by E*TRADE Securities. E*TRADE Securities
does not offer or provide any opinion regarding the nature, potential, value, suitability or profitability of any particular
investment or investment strategy, and you are fully responsible for any investment decisions you make. Such decisions should
be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance and liquidity needs.