Traditional IRA

Potential for tax-deferred growth
  • Save for retirement with a wide range of investment choices
  • Make tax-deductible contributions, depending on income2
  • Find out if a Traditional or Roth IRA may be right
  • For accounts with $5,000 or more, get started with Adaptive Portfolio, our automated advisory solution

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 Traditional IRA

Tax deductible contributions image

Tax-deductible contributions

Contributions can be made on a pre-tax basis and may be tax-deductible depending on income

Tax- deferred growth - image

Tax-deferred growth potential

All investment earnings are tax-deferred; pay taxes only when distributions are taken

No annual IRA fees and no account minimums- image

No annual IRA fees and no account minimums

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

Flexibility - image

Benefit of flexibility

Withdraw assets penalty-free at any time for a qualified first time home purchase, qualified higher education costs, or certain major medical expenses3


Get up to $600 plus 60 days of commission-free trades

 for deposits of $10k or more.1 How it works

Get up to $600 plus 60 days of commission-free trades

 for deposits of $10k or more.1 How it works

Explore similar accounts

OneStop Rollover IRA

Let E*TRADE Capital Management LLC manage your rollover assets

Transfer the assets from an old workplace plan and automatically invest into Adaptive Portfolio.8 Get started with a $5,000 initial investment.

Learn more

Roth IRA

Tax-free growth potential with tax-free future withdrawals on qualified distributions9

Save for retirement with valuable tax advantages, including the ability to withdraw contributions at any time tax- and penalty-free.

Learn more

Rollover IRA

Take control of retirement savings

Whether you have changed jobs or retired, you have options when considering what to do with a former employer's plan. Be sure to know the pros and cons of each choice.

Learn more