Welcome USAA members.

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Welcome USAA members.
Take the next step toward your tomorrow with Schwab.

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Retirement Accounts (IRAs)

Schwab offers multiple types of individual retirement accounts (IRAs) to help meet your goals.

Open an Account


Compare Schwab IRA Accounts

Compare Schwab IRA Accounts

Discover which IRA account may be right for you.

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Other IRA options

Why IRAs at Schwab?

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View important information about our IRAs at Schwab

Get your retirement on track with three easy steps

  • Step

    Open your IRA account

    There are many different types of IRAs, each with different benefits and requirements, depending on your personal situation and financial goals. We can help you understand your options and select the IRA account type that meets your needs.

  • Step

    Fund your account

    Your money can come from various sources, such as rolling an old employer plan into the account, transferring an existing IRA to Schwab, or making a direct contribution.

  • Step

    Choose your investments

    Schwab offers a range of investment options, including stocks, bonds, ETFs, mutual funds, CDs, and more

This tax information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends that you consult with a qualified tax advisor, CPA, financial planner, or investment manager. Depending on the type of account you have, there are different rules for withdrawals, penalties, and distributions.  Please understand these before opening your account.

A rollover of retirement plan assets to an IRA is not your only option. Carefully consider all of your available options, which may include but not be limited to keeping your assets in your former employer’s plan, rolling over assets to a new employer's plan, or taking a cash distribution (taxes and possible withdrawal penalties may apply). Prior to a decision, be sure to understand the benefits and limitations of your available options and consider factors such as differences in investment-related expenses, plan or account fees, available investment options, distribution options, legal and creditor protections, the availability of loan provisions, tax treatment, and other concerns specific to your individual circumstances.

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