Tax-free growth potential
- Contribute on an after-tax basis and contributions grow tax free
- Withdraw contributions at any time
- Find out if a Traditional or Roth IRA may be right for you
up to $5,500/year
annual contributions (if under age 50)
up to $6,500/year
annual contributions (if age 50 or older)
Features of a Roth IRA
Anyone with earned income that doesn't exceed income limits (under $132K for single filers and under $194K for joint filters for 2016; under $133K for single filers and under $196K for joint filers for 2017) is eligible for a Roth IRA
Withdraw contributions at any time
Unlike a Traditional IRA, you may withdraw Roth IRA contributions tax- and penalty-free
Tax-free withdrawals on qualified distributions
Qualified distributions are tax- and penalty-free to both account holders and beneficiaries2
No required minimum distributions (RMDs)
No RMDs beginning at age 70½ for account holder
Trade more, pay less
With E*TRADE, you pay a $9.99 commission for stock and option trades. Here’s a quick overview of our clear, competitive per-trade pricing.
Explore similar accounts
OneStop Rollover IRA
Let E*TRADE Capital Management manage your IRA
Roll over an old 401(k) and automatically invest into Adaptive Portfolio, customized to your needs.7 Get started with a $10,000 initial investment.
Potential tax-deductible contributions
Save for your retirement with tax-deductible contributions and tax-deferred growth potential.
Take control of your retirement savings
Moving an old 401(k) into a new IRA may lower your fees and give you greater control over your financial future.