Selecting the Right Account

Your investing goal helps determine the right account for the job. These options should fit the bill.

General investing

Individual account

Just for you and your personal goals.

Joint account

For goals you share with your spouse or partner.

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Retirement

Traditional IRA

Invest with possible tax deductable contributions and tax-deferred growth.

Roth IRA

Invest with tax-free growth potential.

Rollover IRA

Don’t leave your 401(k) when you leave a job.

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A child's future

Custodial account

Invest on behalf of a minor with an account in your name.

Education Savings Account

Tax-advantaged investing for a child’s qualified educational expenses.

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Small business owner?
Low-cost, full-featured 401(k) plans tailored to your business needs, whether you’re self-employed or have 5, 50, or even 500 employees or more.      Learn more

Now you know how it all works—get your best deal in Special Offers.