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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


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.Rollover IRA
Rolling over old 401ks to an IRA can make managing your retirement easier while still offering tax-deferred growth.Roth IRA
Contributions are not tax-deductible, but can provide tax-free income on withdrawals and earnings once you're in retirement.
Why Choose a TD Ameritrade IRA?
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.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.Know your fees
The 401k fee analyzer tool powered by FeeX will show you how much you're currently paying in fees on your old 401k. This free tool can also help determine if rolling over your old 401k or other employer-sponsored retirement plan is right for you.
TD Ameritrade, Inc. and FeeX are separate and unaffiliated companies, and are not responsible for one another’s information, policies or services.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.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®.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
Support to match your unique financial goals
- Schedule a complimentary goal planning session with a Financial Consultant to discuss, set and evaluate your goals.
- Learn more about investment guidance tailored to your needs. Let's work together to help you find a retirement solution.
- 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.
- 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.