IRA & Retirement | Individual Retirement Accounts

An individual retirement account (IRA) can hold a diverse mix of investment options. Find what you need to build your self-directed IRA including:

  • CDs, bonds and U.S. treasury bills
  • Large selection of mutual funds
  • ETFs, stocks and options
  • IRA comparison calculators

2010 Roth IRA Conversion

If you’ve been thinking about converting your Traditional IRA to a Roth IRA, you now have a unique opportunity to save for retirement:

  • No income limits for converting a Traditional IRA to a Roth IRA
  • Opportunity for your investments to grow tax-free
  • Deferred conversion taxes for 2010 only — 50% of the taxes on the conversion would be due in 2011 and the other 50% in 2012

Converting your Traditional IRA to a Roth IRA at Scottrade is simple:

Learn About Roth IRAs

Choose a Scottrade No-Fee IRA

  • No hidden fees: no opening, closing, annual or custodian fees
  • Self-direction — you choose your investment vehicles
  • Tax-deferred earnings growth
  • No minimum annual contribution
  • Choose from Traditional, Roth, SEP or Rollover IRAs

IRA Comparison Chart

View a side-by-side comparison of Scottrade's Traditional, Roth, Rollover & SEP IRAs to help determine the type of IRA that would be most beneficial for you.

Compare Features >

Stop paying fees. Transfer your IRA to Scottrade today.

Whether your account is Traditional, Roth, SEP or Rollover, you won't pay set-up, annual, custodial, inactivity or closing fees with Scottrade. We'll even pay your transfer fees when you switch to Scottrade.*

Open a No-Fee IRA to Transfer >

The material provided on this site is for informational purposes only. Please consult your tax or legal advisor(s) for questions concerning your personal tax or financial situation.

* Scottrade will reimburse the account transfer fees up to $100 charged by another broker when you transfer your account with a value of $10,000 or more to Scottrade. You must apply for the fee reimbursement offer by completing and submitting a Scottrade Account Transfer Reimbursement Request form and a statement providing proof of imposed transfer fees. Account Transfer Reimbursement Request forms and proof of transfer fees can be mailed, faxed or personally delivered to your local Scottrade branch office. Reimbursement will be made to your account via a credit within 30 days of receipt of the Account Transfer Reimbursement Request form and proof of transfer fees. The transfer reimbursement does not currently have a termination date. However, Scottrade reserves the right to terminate this offer at any time without prior notice or extend the offer at its sole discretion. Void where prohibited.

Account Access

Contribute to an IRA

View Account Features

open a no-fee IRA

Three Easy Steps

1. Choose an IRA
Roth? Rollover? Traditional? Find out which IRA is right for you here.

2. Open an Account
It only takes a few minutes to fill out an application here.

3. Invest Your Way
IRA & Retirement calculators enable you to plan your costs, savings and returns here.

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Brokerage Products and Services offered by Scottrade, Inc. – Member FINRA and SIPC.

Online market and limit stock trades are just $7 for stocks priced $1 and above.

Any specific securities, or types of securities, used as examples are for demonstration purposes only. None of the information provided should be considered a recommendation or solicitation to invest in, or liquidate, a particular security or type of security.

Investors should consider the investment objectives, risks, charges and expenses of a mutual fund carefully before investing. A mutual fund's prospectus contains this and other information about the mutual fund. Prospectuses are available through our trading site or through a Scottrade branch office. The prospectus should be read carefully before investing. No transaction fee (NTF) funds are subject to the terms and conditions of the NTF funds program. Scottrade is compensated by the funds participating in the NTF program through recordkeeping, shareholder, or SEC 12b-1 fees.

Investors should consider the investment objectives, charges, expense, and unique risk profile of an Exchange Traded Fund (ETF) carefully before investing. Leveraged and Inverse ETFs may not be suitable for long-term investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives and other complex investment strategies. A prospectus contains this and other information about the ETF and should be obtained from the issuer. The prospectus should be read carefully before investing.

Margin trading involves interest charges and risks, including the potential to lose more than deposited or the need to deposit additional collateral in a falling market. The Margin Disclosure Statement and Agreement (PDF) is available for download, or it is available at one of our branch offices. It contains information on our lending policies, interest charges, and the risks associated with margin accounts.

Options involve risk and are not suitable for all investors. Detailed information on our policies and the risks associated with options can be found in the Scottrade Options Application and Agreement, Brokerage Account Agreement, and by downloading the Characteristics and Risks of Standardized Options and Supplements (PDF) from The Options Clearing Corporation, or by requesting a copy from your local branch office. Supporting documentation for any claims will be supplied upon request.

Market volatility, volume, and system availability may impact account access and trade execution.

Testimonials may not be representative of the experience of other clients and are no guarantee of future performance or success.