E*TRADE IRA Overview
E*TRADE has many retirement account choices. You’ll find more IRA plans here than at most other brokers. Whether you want accounts with special tax benefits, higher limits, or designed for certain income levels, E*TRADE has what you need.
IRA Accounts at E*TRADE
At E*TRADE, you can pick from several retirement accounts. No matter your goals, there is an option for you. They offer IRAs for individuals, small business owners, and the self-employed.
Here is a look at E*TRADE’s IRA options.
E*TRADE IRA Options for Individuals
Rollover IRA – If you have an old 401(k) or 403(b), you can move it to E*TRADE with no annual fees.
Roth IRA – E*TRADE’s Roth IRA offers cash management, managed portfolios, tax-free growth, and penalty-free withdrawals.
Traditional IRA – This IRA is tax-deferred, has managed portfolios, cash management, and other tax perks. Opening is free, and the annual contribution limit is $6,000 (or $7,000 if you’re 50 or older).
Beneficiary IRA – For inherited assets, this IRA has no annual fees or balance requirements.
E*TRADE Complete IRA – For those over 59½, this account has cash management, no withdrawal limits, and no annual fees.
IRA for Minors – To save for a child, this IRA has no fees or minimums. It can be self-directed or managed, and offered as Traditional or Roth. The annual contribution limit is $6,000.
E*TRADE IRA Options for Small Businesses
Individual and Roth Individual 401(k) – Ideal for small business owners or the self-employed. You can contribute more through salary deferrals and profit-sharing.
Simple IRA – For businesses with fewer than 100 employees, with salary deferral limits up to $17,000 and tax-deductible contributions.
Investment-Only Account – Flexible account with no minimum deposit for expanding or diversifying your retirement savings.
SEP IRA – For self-employed or small business owners, you can save up to 20% of your income with tax-deductible contributions.
E*TRADE IRA Fees
E*TRADE IRAs have no setup or maintenance fees, but early withdrawals have a $25 fee.
You may pay fees for subscriptions, services, margin, and trading, depending on your account and investments.
Minimum Deposits
There are no minimum deposit requirements for E*TRADE retirement accounts. Open the IRA that fits you and fund it when you’re ready.
Contribution Requirements
Contribution limits vary by IRA type. Know your account’s limits before you start.
Most E*TRADE IRAs allow $6,000 per year for under 50 and $7,000 for 50 and over. Some plans, like small business accounts, allow much higher contributions.
Through salary deferrals and tax deductions, some business IRAs let you save well over the standard limits.
Investing in an IRA on E*TRADE
Investing in an IRA works like a regular brokerage account. You can trade many types of investments, use margin, or choose managed portfolios. You can also use any of E*TRADE’s platforms to handle your retirement account and enjoy tax benefits.
Available Securities
E*TRADE offers a wide selection of investments.
E*TRADE offers:
- Stocks (U.S. exchanges, foreign, ADRs)
- ETFs (sector, growth, dividend, etc.)
- Futures (CME, ICE US, CFE)
- Options (stocks, futures, ETFs)
- Mutual Funds (load and no-load)
- Bonds and CDs
Platforms and Mobile Access
Whether you manage your own account or use a planner, E*TRADE gives you the tools you need. You get a full website and two mobile apps.
E*TRADE’s website is the main hub. You can check your investments, manage settings, and download account documents.
Power E*TRADE is a browser platform with all of E*TRADE’s investment options. It has enough features to run a retirement account from anywhere.
E*TRADE Pro is the firm’s advanced platform. It supports multi-screen setups and fast trading, but you must download it to a PC.
E*TRADE’s two mobile apps let you trade on the go. One mirrors the website, and the Power E*TRADE app has extra features.
Managed Portfolios
If you’d rather not pick your own investments, managed portfolios can help. E*TRADE’s advisors or algorithms handle the work.
Core Portfolios charge 0.30% annually and need a $500 start.
Blend and Fixed Income portfolios are run by human advisors. Blend needs $25,000, and Fixed Income requires $250,000.
Taxes on IRA Accounts
E*TRADE offers different IRA tax setups. Some let you invest pre-tax (Traditional), others grow tax-free (Roth).
With Roth IRAs, earnings grow tax-free. Traditional IRAs let you defer taxes until withdrawal.
Some IRAs also let you deduct contributions on your tax return.
Customer Service
E*TRADE’s support is solid but can have long wait times. Calling is fastest, though email or tickets also work.
The trading desk usually has no delays, so broker help is quick.
E*TRADE’s FAQ and self-service tools can solve many issues. Click “Contact Us” on the website for quick links and articles.
E*TRADE Top Competitors
E*TRADE IRA Review Summary
E*TRADE is a strong choice for retirement accounts. You get a wide range of investments, powerful trading tools, managed portfolios, and many IRA types, all at low cost.
Updated on 4/8/2025.
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