Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

IRA Trading Account

Take an active approach to your retirement with an IRA

Leverage the full capabilities of the thinkorswim® platform suite to implement your retirement strategy. Access sophisticated products, like options and futures, that are designed to generate income and help manage risk. And with our award-winning resources, tools, and guidance, you can take a more hands-on approach to your retirement.

Tap into sophisticated trading products

Use advanced strategies to help you manage risk and find opportunities even after hours—24 hours a day, 6 days a week. Qualified investors can even put the full weight of their trading strategy, including options, limited margin and futures, toward their retirement goals.

Take advantage of potential IRA tax benefits

Harness the potential tax benefits that come with your retirement account. Capital gains, dividend payments and other income—as well as distributions in some accounts—may not be taxed for as long as the money stays in your IRA. That means, over time, any interest earned could potentially compound. However, early withdrawals are subject to potential taxes and penalties.
thinkorswim desktop platform

Chart your retirement with industry-leading tools

Take advantage of some of the industry's most sophisticated charting and analysis tools and turn feature-rich desktop trading platform, thinkorswim, into a retirement research engine.

Key considerations for trading in an IRA

What you should know before taking a more active approach with your retirement strategy.

  • Have a plan. Consider your risk tolerance and investing timeline as part of your retirement strategy.
  • If you incur losses in your IRA, you cannot use those to reduce your overall taxes.
  • A TD Ameritrade IRA can be either a cash account or a limited margin account that allows you to use more advanced features including same-day settlement. However, you cannot borrow funds or short sell.

$0 commissions on online stock, ETF, and options trades

U.S. exchange-listed stocks, ETFs, and options. $0.65 per option contract

Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

Check the background of TD Ameritrade on FINRA's BrokerCheck