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Call us: 800-454-9272

175+ Branches Nationwide

IRA Trading Account

Take an active approach to your retirement with an IRA

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Leverage the full capabilities of the thinkorswim® platform suite to implement your retirement strategy. Access sophisticated products, like options and futures, that are designed to generate income and help manage risk. And with our award-winning resources, tools, and guidance, you can take a more hands-on approach to your retirement.

Tap into sophisticated trading products

Use advanced strategies to help you manage risk and find opportunities even after hours—24 hours a day, 6 days a week. Qualified investors can even put the full weight of their trading strategy, including options, limited margin† and futures, toward their retirement goals.

Take advantage of potential IRA tax benefits

Harness the potential tax benefits that come with your retirement account. Capital gains, dividend payments and other income—as well as distributions in some accounts—may not be taxed for as long as the money stays in your IRA. That means, over time, any interest earned could potentially compound. However, early withdrawals are subject to potential taxes and penalties.
thinkorswim desktop platform

Chart your retirement with industry-leading tools

Take advantage of some of the industry's most sophisticated charting and analysis tools and turn feature-rich desktop trading platform, thinkorswim, into a retirement research engine.

Key considerations for trading in an IRA

What you should know before taking a more active approach with your retirement strategy.

  • Have a plan. Consider your risk tolerance and investing timeline as part of your retirement strategy.
  • If you incur losses in your IRA, you cannot use those to reduce your overall taxes.
  • A TD Ameritrade IRA can be either a cash account or a limited margin† account that allows you to use more advanced features including same-day settlement. However, you cannot borrow funds or short sell.

$0 commissions on online stock, ETF, and options trades

U.S. exchange-listed stocks, ETFs, and options. $0.65 per option contract
Learn more

Learn more about active investing in your IRA

Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

Check the background of TD Ameritrade on FINRA's BrokerCheck

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  • S&P 500
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A rollover is not your only alternative when dealing with old retirement plans. Learn more about rollover alternatives.

TD Ameritrade does not provide tax advice. We suggest you consult with a tax-planning professional with regard to your personal circumstances.

Research provided by unaffiliated third-party sources. TD Ameritrade is not responsible for the products, services and policies of any third party.

All investments involve risks, including the loss of principal invested. Past performance of a security does not guarantee future results or success.

†Margin trading increases risk of loss and includes the possibility of a forced sale if account equity drops below required levels. Margin is not available in all account types. Margin trading privileges subject to TD Ameritrade review and approval. Carefully review the Margin Handbook and Margin Disclosure Document for more details.  

Options involve risks and are not suitable for all investors as the special risks inherent to options trading may expose investors to potentially rapid and substantial losses. Options trading privileges subject to TD Ameritrade review and approval. Please read Characteristics and Risks of Standardized Options before trading options.

Futures and futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement prior to trading futures products.

Futures accounts are not protected by the Securities Investor Protection Corporation (SIPC).

Futures and futures options trading services provided by Charles Schwab Futures and Forex LLC. Trading privileges subject to review and approval. Not all clients will qualify. Prior to a name change in September 2021, Charles Schwab Futures and Forex LLC was known as TD Ameritrade Futures & Forex LLC.

Charles Schwab Futures and Forex LLC, a CFTC-registered Futures Commission Merchant and NFA Forex Dealer Member. Charles Schwab Futures and Forex LLC is a subsidiary of The Charles Schwab Corporation.

TD Ameritrade was evaluated against 14 other online brokers in the 2022 StockBrokers.com Online Broker Review. The firm was rated #1 in the categories "Platforms & Tools" (11 years in a row), "Desktop Trading Platform: thinkorswim®" (10 years in a row), "Active Trading" (2 years in a row), "Options Trading," "Customer Service," and "Phone Support." TD Ameritrade was also rated Best in Class (within the top 5) for "Overall Broker" (12 years in a row), "Education" (11 years in a row), "Commissions & Fees" (2 years in a row), "Offering of Investments" (8 years in a row), "Beginners" (10 years in a row), "Mobile Trading Apps" (10 years in a row), "Ease of Use" (6 years in a row), "IRA Accounts" (3 years in a row), "Futures Trading" (3 years in a row), and "Research" (11 years in a row). Read the full article.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

TD Ameritrade, Inc., member FINRA/SIPC, a subsidiary of The Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2023 Charles Schwab & Co., Inc. All rights reserved.