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browser.


RETIREMENT PLANNING

At E*TRADE, you don’t need to be a trader to work toward your dreams for
tomorrow. We offer easy-to-use retirement solutions to help you set a realistic
savings goal—and then create an action plan to help you get there.

Open an account


MAKE YOUR MONEY WORK HARDER, SO YOU DON’T HAVE TO

Start saving now or continue planning. A Roth, Traditional, or Rollover IRA from
E*TRADE can help get you on your way.


TAX ADVANTAGES

IRAs offer potential tax benefits and can be used to roll over a 401(k) plan
account with a former employer.


EASY AND AFFORDABLE

Setting up your E*TRADE IRA is quick and easy. There are no account fees* and no
minimums to worry about.


TOOLS AND RESOURCES

We have tools and guidance available if you need it. Use the IRA Selector tool
to see if you qualify for a Traditional or a Roth IRA.

* Transaction fees, fund expenses, brokerage commissions, and service fees may
apply.

Compare retirement accounts


GET UP TO $3,500 (PLUS $0 COMMISSIONS)1 LEARN HOW

For a limited time, receive a generous cash bonus when you open a new E*TRADE
brokerage or retirement account with a qualifying
deposit by June 30, 2022.

Use promo code: BONUS22
Open an account


FOCUS ON TOMORROW, ACT TODAY

One of the key advantages of retirement accounts is the opportunity for
tax-deferred compounding. Compounding simply means the ability to reinvest
earnings, if any, in an effort to generate even greater earnings over time. Use
the tool below to see the power of compounding.


I'M 35 YEARS OLD AND I PLAN TO RETIRE AT AGE 65

35
65
Current Age
30 years
Retirement Age
Rate of Return
4%
6%
8%
Created with Highstock 4.2.5
3665


TOTAL VALUE AT RETIREMENT IS $527,483*

Select an annual rate of return. This rate will be used to estimate the future
balance of the hypothetical investment. Actual rates of return cannot be
predicted and will vary over time.
*Value based on $6,000 annual contribution to age 49, and $7,000 annually
thereafter.2
Learn more about compound interestchevron_right

Explore knowledge center

 

 


EXPLORE RETIREMENT ACCOUNTS


ROLLOVER IRA

Take control of an old 401(k)

Consolidate assets from a former employer’s retirement plan.

Learn more
Open an account


ROTH IRA3

Tax-free growth potential retirement investing

Pay no taxes or penalties on qualified distributions if you meet the income
limits to qualify for this account.

Learn more
Open an account


TRADITIONAL IRA

Tax-deductible retirement contributions

Earnings potentially grow tax-deferred until you withdraw them in retirement.

Learn more
Open an account
Explore all retirement accounts


ETRADE FOOTER



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QUICK LINKS 

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CONNECT WITH US

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CHECK THE BACKGROUND OF E*TRADE SECURITIES LLC ON FINRA'S BROKERCHECK SEE
E*TRADE SECURITIES LLC AND E*TRADE CAPITAL MANAGEMENT, LLC RELATIONSHIP SUMMARY.

Investment Products • Not FDIC Insured • No Bank Guarantee • May Lose Value

PLEASE READ THE IMPORTANT DISCLOSURES BELOW.

BANKING PRODUCTS AND SERVICES ARE PROVIDED BY MORGAN STANLEY PRIVATE BANK,
NATIONAL ASSOCIATION, MEMBER FDIC.





E*TRADE or Morgan Stanley and its affiliates do not provide tax advice, and you
always should consult your own tax advisor regarding your personal circumstances
before taking any action that may have tax consequences.





Consolidation is not right for everyone, so you should carefully consider your
options. Before deciding whether to retain assets in a retirement plan account
through a former employer, roll them over to a qualified retirement plan account
through a new employer (if one is available and rollovers are permitted), or
roll them over to an IRA, an investor should consider all his or her options and
the various factors including, but not limited to, the differences in investment
options, fees and expenses, services, the exceptions to the early withdrawal
penalties, protection from creditors and legal judgments, required minimum
distributions, the tax treatment of employer stock (if held in the qualified
retirement plan account), and the availability of plan loans (i.e., loans are
not permitted from IRAs, and the availability of loans from a qualified
retirement plan will depend on the terms of the plan). For additional
information, view the FINRA Website.





401(k) and IRA distributions may have tax consequences. You are responsible for
the full payment of any taxes or penalties that may apply to your distribution.
E*TRADE Securities LLC and its affiliates do not provide tax advice. If you have
any questions about how this distribution may affect your personal taxes, you
should consult your own accountant or tax advisor.





The material provided by E*TRADE Securities LLC, E*TRADE Capital Management,
LLC, Morgan Stanley or any of their direct or indirect subsidiaries, or by a
third party not affiliated with E*TRADE is for educational purposes only and is
not an individualized recommendation. This information neither is, nor should be
construed as, an offer or a solicitation of an offer, or a recommendation, to
buy, sell, or hold any security, financial product, or instrument discussed
herein, or to open a particular account or to engage in any specific investment
strategy.





E*TRADE sometimes provides its customers with cash credits or special offers
related to the opening or funding of accounts or other activities. E*TRADE
credits and offers may be subject to U.S. withholding taxes and reporting at
retail value. Taxes related to these offers are the customer's
responsibility. E*TRADE reserves the right to change the offer terms or
terminate the offer at any time without notice.



 1. E*TRADE charges $0 commission for online US-listed stock, ETF, and options
    trades. Exclusions may apply and E*TRADE reserves the right to charge
    variable commission rates. The standard options contract fee is $0.65 per
    contract (or $0.50 per contract for customers who execute at least 30 stock,
    ETF, and options trades per quarter). The retail online $0 commission does
    not apply to Over-the-Counter (OTC), foreign stock transactions, large block
    transactions requiring special handling, transaction-fee mutual funds,
    futures, or fixed income investments. Service charges apply for trades
    placed through a broker ($25). Stock plan account transactions are subject
    to a separate commission schedule. Additional regulatory and exchange fees
    may apply. For more information about pricing, visit etrade.com/pricing.
    
     
    
    E*TRADE credits and offers may be subject to US withholding taxes and
    reporting at retail value. Taxes related to these credits and offer are the
    customer’s responsibility. Cash credits for Individual Retirement Accounts
    are treated as earnings for tax purposes. E*TRADE and its affiliates do not
    provide tax advice.
    
    Offer valid for new E*TRADE Securities customers opening one new eligible
    retirement or brokerage account by 6/30/2022 and funded within 60 days of
    account opening with $5,000 or more. Promo code 'BONUS22'.
    
    New customer opening one account: These rules strictly apply to customers
    who are opening one new E*TRADE account, do not have an existing E*TRADE
    account and do not open any other new E*TRADE accounts for 60 days after
    enrollment in this offer. For other circumstances, please refer to the
    “Existing Customers or New Customers Opening More than One Account”
    disclosures below.
    
    Cash credits will be granted based on deposits of new funds or securities
    from external accounts made within 60 days of account opening, as follows:
    $5,000-$19,999 will receive $50; $20,000-$49,999 will receive $100;
    $50,000-$99,999 will receive $200; $100,000-$199,999 will receive $300;
    $200,000-$499,999 will receive $600; $500,000-$999,999 will receive $1,200;
    $1,000,000-$1,499,999 will receive $2,500; $1,500,000 or more will receive
    $3,500.
    
    Reward tiers under $200,000 ($5,000-$19,999; $20,000-$49,999;
    $50,000-$99,999; $100-000-$199,999) will be paid within seven business days
    following the expiration of the 60 day period. However, if you deposit
    $200,000 or more, you will receive a cash credit within seven business days,
    followed by any additional reward based on your fulfillment tier at the
    expiration of the 60 day period. If you have deposited at least $200,000 in
    the new account, and you make subsequent deposits in that account to reach a
    higher tier, you will receive a second cash credit following the close of
    the 60 day window. For example, if you deposit $250,000, you will receive a
    cash credit of $600 within seven business days, then if you deposit an
    additional $300,000 into your new account, you will receive an additional
    cash credit of $600 at the end of the 60 day window for a total reward of
    $1,200. If you deposit between $200,000 and $1,499,999 in your new account,
    you will receive a cash credit in two transactions at the end of the 60 day
    window—depending on your initial funding amount. If you deposit $1,500,000
    or more in your new account, you will receive two cash credits that will
    total $3,500 within seven business days. Cash credits will be paid to the
    account where the deposit is made.
    
    Existing customers or new customers opening more than one account are
    subject to different offer terms. Please click here to view offer terms.
    
    Offer rules for all participants: New funds or securities must be deposited
    or transferred within 60 days of enrollment in offer, be from accounts
    outside of E*TRADE, and remain in the account (minus any trading losses) for
    a minimum of twelve months or the cash credit(s) may be surrendered. For
    purposes of the value of a deposit, any securities transferred will be
    valued the first business day following completion of the deposit. Removing
    any deposit or cash during the promotion period (60 days) may result in
    lower reward amount or loss of reward. Any assets transferred from Morgan
    Stanley accounts to E*TRADE are not considered to be from accounts outside
    of E*TRADE and may not be included for purposes of offer eligibility or
    reward amount calculations, at E*TRADE’s sole discretion.
    
    If you are attempting to enroll in this offer with a Joint Account, the
    primary account holder may have to fulfill at the tiers noted before the
    secondary account holder can enroll in this offer. If you experience any
    issues when attempting to enroll with a Joint Account, please contact us
    at 800-387-2331 and we will be able to assist you with your enrollment.
    
    Offer limitations: Offer valid for existing E*TRADE Securities brokerage,
    Coverdell, and the following types of E*TRADE retirement accounts:
    Traditional IRA, Individual 401(k), Roth Individual 401(k), Roth IRA,
    Rollover IRA, Beneficiary Roth IRA, and Beneficiary Traditional IRA
    
    This offer is not valid for any business (incorporated or unincorporated)
    accounts, other E*TRADE Securities retirement account types (SEP IRA, SIMPLE
    IRA, retirement accounts for minors, profit sharing plans, money purchase
    pension plans and investment only noncustodial retirement plans, Beneficiary
    IRA Estate, Beneficiary IRA Trust, Beneficiary Roth IRA Estate, Beneficiary
    Roth IRA Trust), accounts designated pattern day trader status, E*TRADE
    Capital Management, E*TRADE Futures, and Morgan Stanley Private Bank,
    National Association accounts. Excludes non-U.S. residents, and residents of
    any jurisdiction where this offer is not valid. You must be the original
    recipient of this offer to enroll. Customers may only be enrolled in one
    offer at a time. Cannot be combined with any other offers.
    
    E*TRADE Securities reserves the right to terminate this offer at any time.
    
    Consolidation is not right for everyone, so you should carefully consider
    your options. Before deciding whether to retain assets in a retirement plan
    account through a former employer, roll them over to a qualified retirement
    plan account through a new employer (if one is available and rollovers are
    permitted), or roll them over to an IRA, an investor should consider all his
    or her options and the various factors including, but not limited to, the
    differences in investment options, fees and expenses, services, the
    exceptions to the early withdrawal penalties, protection from creditors and
    legal judgments, required minimum distributions, the tax treatment of
    employer stock (if held in the qualified retirement plan account), and the
    availability of plan loans (i.e., loans are not permitted from IRAs, and the
    availability of loans from a qualified retirement plan will depend on the
    terms of the plan). For additional information, view the FINRA Website.
    
    If you have multiple IRAs at E*TRADE or at other financial institutions, the
    annual contribution limit applies to contributions made to all of your IRAs
    (traditional and Roth IRAs) combined which can impact your ability to make a
    contribution to an IRA for the current tax year.  Before making a
    contribution, check your other IRAs and refer to the Contribution Limits
    Table for more details.
    
    E*TRADE Securities LLC and its affiliates do not provide tax advice, and you
    should always consult your own tax advisor regarding your personal
    circumstances before taking any action that may have tax consequences.
    
    This offer neither is, nor should be construed as a recommendation or
    solicitation to buy, sell, or hold any security, financial product or
    instrument or to open a particular account or engage in any specific
    investment strategy.

 2. The results of this hypothetical tool may vary with each use and over time.
    The rate of return is compounded annually and assumes deposits are made on
    January 1st of each calendar year. The ending values shown are hypothetical
    and are not intended to represent the results of any specific investment or
    investing strategy. Investment returns and principal value will fluctuate so
    that investments, when redeemed, may be worth more or less than the original
    investment. Total Value does not take taxes into consideration at any level
    (e.g. Federal, State or Local).
 3. A distribution from a Roth IRA is federally tax-free and penalty-free
    provided that the five-year aging requirement has been satisfied and one of
    the following conditions is met: age 59½, suffer a disability, or qualified
    first time home purchase.

Securities products and services offered by E*TRADE Securities LLC, Member SIPC.
Investment advisory services offered by E*TRADE Capital Management, LLC, a
Registered Investment Adviser. Commodity futures and options on futures products
and services offered by E*TRADE Futures LLC, Member NFA. Stock plan
administration solutions and services offered by E*TRADE Financial Corporate
Services, Inc. Banking products and services are provided by Morgan Stanley
Private Bank, National Association, Member FDIC. All are separate but affiliated
subsidiaries of Morgan Stanley.

System response and account access times may vary due to a variety of factors,
including trading volumes, market conditions, system performance, and other
factors.

Statement of Financial Condition | About Asset Protection | Account Agreements
and Disclosures | Quarterly 606 Report | Business Resiliency Plan

©2022 E*TRADE from Morgan Stanley. All rights reserved. E*TRADE Copyright Policy



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