Best IRA Accounts and Companies

Like 401(k)s, Individual Retirement Accounts (IRAs) allow individuals to save for retirement in a tax-efficient way. These benefits can help your retirement savings grow tax-free. However, IRA accounts can offer benefits that 401(k)s don’t, such as more hands-on investing with your retirement funds, as well as access to a wider variety of investment choices.

Capitalize is here to help you navigate different IRA companies and discover which IRA account could be the best fit for you.

Best Robo-Advisor IRAs Learn more
Best Self-Directed IRAs Learn more
Best Traditional IRAs Learn more
Best Roth IRAs Learn more

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Eliza E.
Eliza E.
Capitalize was a lifesaver. I needed to update my 401(k) information in the midst of changing jobs and it felt like a to-do list item I would never get to.
Have an old 401(k) from a previous job?
Capitalize helps you consolidate your old 401(k)s by rolling them into an IRA of your choosing. Use an existing IRA if you have one, or we’ll help you open one if you don’t.

Best IRA accounts FAQs

How do I compare IRAs?

The best IRA for your situation depends entirely on your personal financial situation. When comparing IRAs, look at each option’s short- and long-term benefits, and whether you plan to make pre- or post-tax contributions.

As with any major financial decision, consider making an appointment with a qualified financial advisor (CFP) or tax professional (CPA) who offers broad financial planning guidance. You’ll want to make sure that your IRA fits into your overall investment strategy.

What types of IRA accounts are there?

Most people who open an IRA choose either a Traditional IRA or Roth IRA. However, other options, such as a Crypto IRA, also exist. Most, if not all IRA brokerage accounts offer access to popular low-cost index fund investments.

Are IRAs the best savings account?

IRAs are an excellent savings account for anyone wanting to be more hands-on with retirement investing. But they’re not the only account available, so be sure to investigate all of your options with regard to your personal finances as a whole — and always be aware of any account fees you’re charged.