Retirement accounts

Take on your retirement with E*TRADE

Invest for the future with tax-qualified retirement accounts, easy-to-use tools, and a special limited-time cash credit.

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Open a retirement account on E*TRADE mobile app shown with Choose retirement account type

Get up to $10,000 
for a limited time1
Open and fund a new eligible retirement account with a qualifying deposit by 01/31/26. Terms apply. Use promo code: RETIRE25

Put our retirement accounts to work for you
Whether you're just starting to save for retirement or are weighing what to do with an old 401(k) or 403(b)2, we've got the tax-qualified accounts you may need.

Rollover IRA

Consider moving your 401(k)/403(b)2

IRAs may provide more investment options, lower fees, and greater control while maintaining tax advantages

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Traditional IRA

Build your retirement nest egg

An account that has the potential to reduce your taxable income and grow tax-deferred

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Roth IRA

Invest after-tax dollars

For tax-free growth potential and tax-free withdrawals if you meet certain requirements3

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E*TRADE CompleteTM IRA

Cash management for those over 59½4,5

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Inherited IRA

For beneficiaries who inherit retirement accounts

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Small business plans

Offer retirement benefits to your employees

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Get up to $10,000 cash credit1
Open and fund a new eligible retirement account with a qualifying deposit by January 31, 2026. Terms apply. Use promo code: RETIRE25

Retirement planning

Invest in tomorrow by starting today

Use our retirement calculator to see how much your savings could potentially grow in a tax-qualified retirement account.
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E*TRADE Retirement calculator slider tool showing the rate of return, the selected retirement age, and the amount of money you'd theoretically have at retirement

Three reasons to invest with an E*TRADE retirement account

1

Fee-free accounts

Our retirement accounts are free to open and have no maintenance fees. Stock, ETF, mutual fund, and options trades are commission-free, and pricing and rates for advanced trading is competitive. Other fees may apply.6

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2

Wide range of offerings

From individual accounts like traditional and Roth IRAs, to niche small-business solutions like SIMPLE and SEP IRAs, we have the right retirement account to help meet your needs.

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3

Easy to use

Whether you’re saving for retirement or living it, our accounts are easy to manage online or on the E*TRADE mobile app.

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Awards and recognition

E*TRADE Retirement Accounts won 'Best in Class' in Stockbrokers.com 2025 Annual Awards.
Stock Brokers dot com 2025 annual Awards
Stockbrokers.com 2025 Annual Awards7

Education and resources

Insights to stay informed and inspired
Family walking on a hill

Which IRA could be right for me?

E*TRADE has an IRA that can help you make progress toward your retirement goals.

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Father and son holding a toy plane

Four things you should consider before rolling over your 401(k)

IRAs are tax-deferred vehicles that can generally accept a rollover of assets from a qualified retirement plan.

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Understanding required minimum distributions (RMDs)

Planning ahead for what you want to do with the money may help reduce taxes and increase options for re-investing.

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