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Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

Retirement Offering

Open an IRA in 15 minutes*

  • Choose from a wide variety of investment products
  • Refine your retirement strategy with innovative tools and calculators
  • Take advantage of potential tax benefits
Open new account

  • Traditional IRA

    Contributions are typically tax-deductible and growth can be tax-deferred, but you'll be taxed on money you take out in retirement.
    Learn more

  • Rollover IRA

    Rolling over old 401ks to an IRA can  make managing your retirement easier while still offering tax-deferred growth.
    Learn more

  • Roth IRA

    Contributions are not tax-deductible, but can provide tax-free income on withdrawals and earnings once you're in retirement.
    Learn more

Why Choose a TD Ameritrade IRA?

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    Investment choices

    Diversify with a wide variety of investment products, including commission-free ETFs, no-transaction fee mutual funds, stocks, and bonds & CDs. And with proper approval, you can trade options and futures within your IRA. We also offer annuities from respected third-parties.
  • investment tools

    Smart tools

    Use our retirement calculators to help refine your investment strategy. The Retirement Calculator estimates if you're on track to meet your investment goal and the IRA Selection Tool can help determine whether a Roth or Traditional IRA is right for you.
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    Potential IRA tax benefits

    See the differences between Traditional and Roth IRAs. For example, while both offer tax-advantaged ways to invest for retirement, a Traditional IRA offers the potential for an upfront tax break, while a Roth IRA allows for tax-free withdrawals down the road.
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    Objective research

    Get in-depth third-party research from big name providers such as Morningstar®, Market Movers by CFRA®, and On the Edge® technical analysis from Market Edge®.
  • desktop and mobile trading platforms

    All your assets in one place

    When you consolidate your accounts into a TD Ameritrade IRA, you get more out of your investments. And with our straightforward and transparent pricing, there are no hidden fees, so you keep more of your money working harder for you.

    A rollover is not your only alternative when dealing with old retirement plans. Learn more about your rollover alternatives.

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

U.S. exchange-listed stocks, ETFs, and options. $0.65 per option contract
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Support to match your unique financial goals

  • Goal Planning
    Schedule a complimentary goal planning session with a Financial Consultant to discuss, set and evaluate your goals.
  • Guidance
    Learn more about investment guidance tailored to your needs. Let's work together to help you find a retirement solution.
  • Education
    Browse our exclusive videos, test drive our tools and trading platforms, and listen to our webcasts to help create the retirement strategy that makes sense for you.
  • Service
    When it comes to getting the support you need, our team is yours. We'll work hard to find a solution that fits your retirement goals.

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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Open New Account

Before investing in any mutual fund or ETF, carefully consider the fund's objectives, risks, charges and expense. A prospectus, obtained by calling 800-669-3900, contains this and other important information about an investment company. Read carefully before investing.

*The 15 minute time frame applies to normal situations and may not reflect the time needed for all users to read all disclosure documents, which should be done. Account funding must be completed in order for trading to begin.

Taxes related to TD Ameritrade offers are your responsibility. All Promotional items and cash received during the calendar year will be included on your consolidated Form 1099. Please consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules.

IMPORTANT: The projections or other information generated by the TD Ameritrade Goal Planning tool ("Goal Planning") regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.

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.

ETFs are subject to risk similar to those of their underlying securities, including, but not limited to, market, investment, sector, or industry risks, and those regarding short-selling and margin account maintenance. Some ETFs may involve international risk, currency risk, commodity risk, leverage risk, credit risk, and interest rate risk. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, small-capitalization securities, and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

Information provided by TD Ameritrade, including without limitation that related to the ETF Market Center, is for general educational and informational purposes only and should not be considered a recommendation or investment advice.

TD Ameritrade receives remuneration from certain ETFs for shareholder, administrative and/or other services.

No Margin for 30 Days. Certain ETFs purchased will not be immediately marginable at TD Ameritrade through the first 30 days from settlement. For the purposes of calculation the day of settlement is considered Day 1.

No-Transaction-Fee (NTF) mutual funds are no-load mutual funds for which TD Ameritrade does not charge a transaction fee. Mutual funds have other fees, and expenses that apply to a continued investment in the fund and are described in the prospectus.

Mutual funds are subject to market, exchange rate, political, credit, interest rate and prepayment risks, which vary depending on the type of mutual fund.

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.