Axos Invest IRAs

Because It’s Never Too Early to Save for Retirement

An individual retirement account (IRA) is a form of tax-advantaged account that you can use to save for retirement. Axos Invest offers Roth, Traditional, and Rollover IRAs - choose one or more for your overall retirement investing strategy.

Learn More About Axos IRAs

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IRAs for Everyone

Roth IRA

  • Funded with money you’ve already paid income tax on.
  • Eligibility is dependent upon IRS limitations.
  • Withdraw your contributions at any time without taxes or penalty.
  • Potentially enjoy tax-free growth on contributions.

Traditional IRA

  • Usually tax deductible at the time of contribution.
  • No income requirement to qualify for an account.
  • Income tax paid when you withdraw funds in retirement.
  • Potentially enjoy tax-deferred growth on contributions.

Rollover IRA

  • This is a Traditional IRA often used to roll over your qualified plan account from a previous workplace plan like a 401(k).
  • The amount you roll over does not count toward the IRS contribution limit.

Try our Interactive Retirement Calculators

Blueprint your retirement approach, regardless of how close or far away you may be. Determine your savings needs, find your best-fit product, and maximize your employer’s plan.

401(k) Calculator

Have a specific 401k goal in mind, but don’t know if you’re on-track? Build discipline and insight by adjusting your strategy based on timeframe, employer match, contribution amount, expected rate of return, and more.

Let's Go

Traditional 401(k) or Roth 401(k)?

What type of 401k should you choose? Compare simulated results between a Traditional 401k and Roth 401k by taking account current age vs. planned retirement age, current tax rate vs. retirement tax rate, and more.

Compare Now

Save for Retirement

Curious about how much you’ll need to retire comfortably? Find opportunities to personalize your approach by considering life expectancy, retirement age, current savings, expected rate of return, and more.

Get Started

Set a course for retirement that’s right for you.

Set up a retirement account with Managed Portfolios, our automated investing platform tailored to your preferences. Or do it yourself with a Self-Directed Trading IRA.

Managed Portfolios

  • Personalized dashboard - set your retirement milestone and track your progress.
  • Just $500 to open a Traditional or Roth IRA.
  • Diversified investment portfolio of Equity ETFs and Fixed Income ETFs, and cash based on your timeline and risk tolerance.
  • Unlimited automatic portfolio rebalancing based on your timeline and risk tolerance.
  • Low annual advisory fee of 0.24%.1
Create a Retirement Goal

Self-Directed Trading

  • Manage your own investments in a Traditional or Roth IRA account.
  • Open a new account with just $50.
  • Save with commission-free2 trades on stocks and ETFs.
  • Access a wide array of securities - you choose your level of diversification.
Open a Traditional IRAOpen a Roth IRAicon / arrowCreated with Sketch.

Want to see all your retirement funds in one place?

Consider a Rollover IRA to manage all your investments in one place. Consolidate your old 401(k)s or 403(b)s into a single account.

Learn About Rollover IRAs

Frequently Asked Questions

How do I set up an IRA account?

We make it easy! To set up an IRA account with Axos Invest Managed Portfolios, choose Create Your Retirement Goal or Open an Account. During your account setup, you will be asked to select an option. To set up an IRA account, choose Retirement as a goal, and select an account type after you enter your expected retirement age and the amount you expect to spend per year in retirement.

To set up an IRA account with Axos Invest Self-Direct Trading, choose Open a Roth IRA or Open a Traditional IRA.

How do I roll over funds from my other retirement accounts to an Axos Invest IRA?

It’s straightforward, and we’ll guide you through each step. To start the process of rolling over your qualified plan retirement account to an Axos Invest IRA, please send us a secure message.

What fees apply to an Axos Invest IRA?

See how we stack up against the competition!* We don’t charge a maintenance fee for your Axos Invest Self-Directed Trading Account. Axos Invest Managed Portfolios IRA accounts are subject to a 0.24% annual advisory fee. All Axos Invest IRA accounts are subject to a $40 annual custodial fee, a termination fee of $50 per plan, and a $75 fee per transfer.

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Axos Invest LLC and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
Nothing contained in this material is intended to constitute legal, tax, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type in any jurisdiction where Axos Invest is not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction.
Certain investment management account strategies may contain exchange traded funds (ETFs). ETFs are comprised of securities in a given asset class, which may share a similar behavior to those securities and could be subject to a significant level of volatility and risk. Please keep in mind, neither the diversification of any ETF nor the strategy of using multiple ETFs in a portfolio guarantees an investment profit or ensures your investment from market risks or losses. Prior to the purchase of any ETF strategy, you should read the prospectus of each individual ETF carefully and consider the investment objectives, risks, charges, and expenses before you invest or send money. You can receive a prospectus for each ETF in a within the client portal or by e-mailing Axos Invest, Inc., at [email protected].
An ETF is expected to approximate the performance of the index it tracks, but it may slightly underperform the index due to administrative costs. Less heavily traded ETFs may actually have market values that are significantly higher or lower than the underlying values due to the principle of supply and demand. For example, if a particular sector has fallen out of favor, demand for shares of an ETF in that sector may fall out of favor as well. This could cause the ETF's price to fall further than the underlying value of the fund's actual shares. Like all securities, past performance of any ETF is no guarantee of future results.
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2
$0 Stocks are limited to stock listed on an exchange in the United States. Foreign exchange, stocks listed over the counter and large block transactions requiring special handling may include charges.
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