Get fast, easy IRA withdrawals for investors over 59½

  • Get immediate access to IRA savings
  • Make withdrawals any time, with no forms and no delays
  • Free debit card, checks, and online Bill Pay2

annual contributions

The lesser of (a) $8,000 for 2024 ($7,500 for 2023), or (b) your taxable compensation for the year.


minimum age for eligibility

Why an E*TRADE Complete™ IRA?

Eligibility information

Must already have an existing E*TRADE from Morgan Stanley Traditional, Roth, Rollover, SEP, or SIMPLE IRA. If an individual does not have an E*TRADE IRA, they can open one first, then upgrade online.

Easy access to cash

Access the IRA with free check writing, debit card, and Bill Pay without forms3

No annual IRA fees and no account minimums

Transaction fees, fund expenses, brokerage commissions, and service fees may apply

Trade more, pay less

With E*TRADE from Morgan Stanley, you pay $0 commissions for online US-listed stock, ETF, mutual fund, and options trades. Here’s a quick overview of our clear, competitive per-trade pricing.1

E*TRADE Complete™ IRA FAQs

See all FAQs

Already have an IRA? Contribute now.

  • Must be over age 59½
  • Must already have an existing E*TRADE Traditional, Roth, Rollover, SEP, or SIMPLE IRA
  • If an individual does not have an IRA at E*TRADE, open one first and then upgrade online to an E*TRADE Complete IRA
  • All withdrawals via check writing, debit card, and Bill Pay will be considered IRA distributions and reportable on IRS Form 1099-R. Federal and state income tax will not be withheld from these payments.
  • Residents of Connecticut are not eligible for an E*TRADE Complete IRA, since they are subject to mandatory Connecticut state tax withholding on IRA distributions.
  • Residents of Michigan born on or after 1/1/1946 are subject to mandatory Michigan state withholding tax. A resident of Michigan must provide Form MI W4-P to opt out of state withholding before requesting an upgrade to an E*TRADE Complete IRA.

An upgrade to an E*TRADE Complete IRA is only available after an individual reaches age 59½.

No. There are no minimum check amount requirements with an E*TRADE Complete IRA.

Yes. Form 1099-R (available by January 31st of each year) is generated for reportable distributions taken from all IRA accounts. Tax records and other electronic documents can be accessed online through the Tax Center.

Explore similar accounts

Rollover IRA

Consider rolling over your old 401(k) plan assets to an E*TRADE from Morgan Stanley IRA

Consolidate assets from a former employer’s retirement plan.

Roth IRA6

Tax-free growth potential retirement investing

Pay no income taxes or tax penalties on qualified distributions if you meet certain requirements.

Core Portfolios

Automated investment management

Get a diversified portfolio that’s monitored and managed for a low annual advisory fee of 0.30% and $500 minimum.d1