The time is now
The sooner you start contributing to a Roth IRA** the better. The longer your contributions may have to compound tax-free, the more your contributions will be worth in retirement.
Maintain flexibility for life's unexpected events
While it's always a good idea to leave your IRA untouched until retirement, any contributions made to a Roth IRA are available for withdrawal anytime without tax or penalty.
Pay no taxes in retirement
Once you reach age 59½ with an account that has been opened for at least five years, you may qualify for tax-free withdrawals of both Roth IRA contributions and any accumulated earnings.
Enjoy more income in retirement
For most people, contributing to a Roth IRA will provide them with more income in retirement. Plus, with a Roth IRA there are no minimum distribution requirements. Learn more.
Receive active management with a single choice
Pair your Roth IRA with our professionally managed target date funds for a convenient way to get a diversified portfolio. We also offer over 100 no-load mutual funds to address your specific investing needs. All mutual funds are subject to market risk, including possible loss of principal. Diversification cannot assure a profit or protect against loss in a declining market.
Low fees and minimum investment
We offer a wide range of low-cost, no-load investments. The minimum investment for a Roth IRA is $1,000. Certain account fees are waived if you select our paperless options.
* As long as you've held the account 5 years and you're age 59½ or older.
**In order to contribute to a Roth IRA, single filers must have a MAGI under $129K for tax year 2014 ($131K for tax year 2015) and married couples filing jointly must have a MAGI under $191K for tax year 2014 ($193K for tax year 2015).