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IRAs and rollovers to fit your retirement goals

You need a trusted IRA provider who shares our commitment to serving you and helping you meet your financial goals. That's why we've chosen Charles Schwab & Co., Inc. (Schwab).

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Schwab shares our commitment to meeting your needs and championing your financial goals with integrity.

What's an IRA?

An individual retirement account, or IRA, is a personal retirement savings account.

Even if you've signed up for an employer-sponsored plan like a 401(k), 403(b) or TSP, you can still open an IRA to boost your savings and add flexibility to your budget.

Here are some investments you can make inside an IRA:

  • Stocks
  • Mutual funds and exchange-traded funds, or ETFs
  • Bonds and CDs
  • Target date funds

Common types of IRAs

While Schwab offers several types of IRAs, here are 3 of the most common types:

Traditional

A traditional IRA uses pretax money that's taxed on withdrawal in retirement.

Roth

A Roth IRA uses after-tax money, so qualified withdrawals in retirement are tax-free.

Rollover

A rollover allows you move an employer-sponsored retirement plan and keep its tax advantage.

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How Schwab can help you reach your retirement goals

$0 minimum deposit

Open an account with no minimums and pay $0 for online listed equity trades.‍ ‍ See note 1

Online tools and resources

Get access to planning resources, a complimentary financial plan and more help to manage your future.

24/7 professional guidance

Get financial advice and access to convenient support from over 300 branches across the nation.

Differences between a Roth IRA and a traditional IRA

Roth IRA

  • Contributions are not tax deductible.
  • Withdrawals are generally tax-free and penalty free after five years and after age 59½.
  • Income eligibility limitations.

Traditional IRA

  • Contributions may be tax deductible.
  • Withdrawals of pre-tax contributions and earnings are taxed as current income during retirement.
  • No income limitations.

Get on track with a complimentary financial plan.

Saving for retirement is one of the most important goals you can have. That's why Schwab offers a complimentary digital financial plan with every account. Find out what it'll take to retire the way you want.

Learn more

See your accounts in one place.

You can view your Schwab accounts alongside your USAA accounts — all without leaving usaa.com or our mobile app. Check your general information and balance with us or go straight to schwab.com with no additional logon required to manage your account.

Connect your accounts

IRA and rollovers FAQ

  • Social Security number
  • Driver's license
  • Employer's name and address if you have one
  • Statement information for assets or cash you'd like to transfer

Discover more investing resources.

You can invest confidently when you brush up on investing basics and get familiar with your options.

Learn more about investing

Important information from USAA Investment Services Company (ISCO):
Review our relationship with you in our Relationship Summary PDF(Opens new window).

Important information from Schwab:

Investors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

Find IRAs to fit your retirement goals.

Schwab is ready to help you.

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Learn more about USAA Investment Services Company(Opens new window) or Charles Schwab(Opens new window) on FINRA's BrokerCheck website.