An individual retirement account in three easy steps
Whether you're just starting out or getting your current retirement plans back on track, it's easy to get a second opinion when you open a TD AMERITRADE IRA. With tools like WealthRuler™ and investment choices for all types of investors, it's easy to create an individual retirement account that meets your long-term objectives. In three quick steps and 15 minutes or less you can open an IRA that's aligned with your long-term goals. And you won't pay a setup or maintenance fee.
Real-world retirement outlook with WealthRuler.
Take a moment to consider your retirement needs. Already know what you want? Then move to the next step. But if your retirement outlook could first use a little clarity, try WealthRuler, our newest retirement planning tool. With real-world inputs you might not find elsewhere, WealthRuler can help you quickly assess your needs and opportunities. Launch WealthRuler.
Easy online setup and the help you want.
Whether you're thinking about a Roth or Traditional IRA, or even if you are considering rolling over your old 401(k) or IRA, we're here to help. On the phone or at one of over 100 branches nationwide, we'll help you build a retirement plan that's in line with your objectives. If you're ready now, you can always open an IRA in minutes online.
Investment choices in your best interest.
Use our powerful screeners to select mutual funds that fit with your plan. Or try the Premier List powered by Morningstar Associates for funds pre-screened by independent analysts. If you’d like a little more guidance, Amerivest Guided Portfolios provide investment portfolio management by offering a diversified portfolio of mutual funds and the ability to stay focused on your goals while Amerivest provides ongoing portfolio management.
Basic eligibility requirements
You must be under age 70½ by the end of the calendar year
You must have earned income or a spouse with qualified earned income
Before investing in a mutual fund carefully consider the investment objectives, risks, charges and expenses. For a prospectus containing this and other important information, contact a Client Services representative at 800-669-3900. Please read the prospectus carefully before investing.
There is no assurance that the investment process will consistently lead to successful investing. Diversification does not eliminate the risk of experiencing investment losses.
WealthRuler does not make specific asset class or security recommendations. Users enter criteria including desired retirement age, income and planned expense information, plan end date, and current value and allocation percentages of stocks, bonds and cash. The tool classifies a user into one of five portfolio strategy/risk tolerance models. These models, combined with time horizon, determine the return and risk assumptions used in the calculations. The tool runs multiple simulations to determine the likelihood of plan success, during average and poor market conditions. Results may vary with each use and over time.
For complete details on criteria, methodology, limitations and key assumptions, please see Methodologies & Assumptions.
IMPORTANT: The projections or other information generated by WealthRuler regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.
TD AMERITRADE does not provide tax advice. We suggest that you seek the advice of a tax-planning professional with regard to your personal circumstances.
401(k) Rollover Offer Details
Offer valid for individuals who open a new TD AMERITRADE account or a new Amerivest-related IRA account by 04/15/10 and meet funding requirements within 6 months of account opening. Funding/rollover of $25,000-$99,999 receives $100 cash, funding/rollover of $100,000-$249,999 receives $250 cash, funding/rollover of $250,000 or more receives $500 cash. Limit one offer per client per calendar year. Not transferable and not valid with TD AMERITRADE institutional accounts, internal transfers or with other offers. Cash awards are valid within your IRA only and non-transferable to another existing TD AMERITRADE account. TD AMERITRADE reserves the right to restrict or revoke this offer. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.
Please consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules. Please allow 3-5 business days for any cash deposits to post to account.
Amerivest is an investment advisory service of Amerivest Investment Management, LLC, an SEC registered investment advisor. Brokerage services are provided by TD AMERITRADE, Inc. Amerivest Investment Management, LLC and TD AMERITRADE, Inc. are both wholly owned subsidiaries of TD AMERITRADE Holding Corporation. Amerivest is a trademark of TD AMERITRADE IP Company, Inc. Amerivest provides non-discretionary and discretionary advisory services for a fee. Risks applicable to any portfolio are those associated with its underlying securities.
30-Day Free Trade Offer Details
Offer valid for one new Individual or Joint TD AMERITRADE account opened by 06/30/10 and funded within 30 days of account opening with $2,000 or more. To receive $100 bonus, account must be funded with $25,000 or more within 30 days of initial minimum funding. IRA and other tax-exempt accounts are not eligible to receive the $100 cash bonus. Offer is not transferable and not valid with internal transfers, Amerivest-related accounts, TD AMERITRADE institutional accounts, current TD AMERITRADE accounts or with other offers. Commission-free internet equity trades will be limited to a maximum of 500 Internet equity trades. Qualified commission-free Internet equity orders must execute within 30 days of account funding. Limit one offer per client. Account must remain open with minimum funding required for participating in the offer for 9 months, or TD AMERITRADE may charge the account for the cost of the cash awarded to the account. TD AMERITRADE reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.
Morningstar Associates, LLC is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Morningstar Associates and its affiliates are not related to TD AMERITRADE and its affiliates.
Commissions, service and exception fees still apply. See our Rates & Fees page.
Taxes related to TD AMERITRADE offers are your responsibility. Retail values totaling $600 or more during the calendar year will be included in your consolidated 1099.
