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We might be compensated by one of our IRA partners for an account you open through our platform. This helps us keep the rollover service free, but it never impacts the fees you’ll pay on your new account. We only win if you do, and our job is to help you simplify your retirement accounts. We also help people who already have an IRA account even though we might receive no compensation in these situations—because it’s just the right thing to do!

Schwab Intelligent IRA Review 2024: Features, Fees, and More

Updated on May 2, 2024

Learn about our Editorial Process

Key Takeaways
  • A Charles Schwab Intelligent Portfolios IRA is a great option for an automated, robo-advisor solution with no management fee and customizable portfolios
  • Portfolios are composed of up to 20 asset classes across stocks, fixed income, real estate, and commodities, including an FDIC-insured cash component. This ensures true diversification tailored to your risk profile
  • Tax-loss harvesting is available for accounts with a minimum balance of $50,000, helping to optimize tax efficiency
  • Schwab Intelligent Portfolios Premium offers comprehensive financial planning and unlimited guidance from a CFA for a one-time planning fee and a monthly subscription fee. This service requires a $25,000 minimum investment
Fund your Schwab IRA with a 401(k) rollover in just a few minutes

Schwab Intelligent Portfolios IRA Snapshot

Best if you want
An automated IRA with no management fee and a wide range of portfolio options.
What you can invest in
Schwab offers an automated IRA with no management fee, a customizable portfolio, and 24/7 customer support.
Schwab's automated IRA has a $5,000 account minimum which is higher than other providers, but comes with 24/7 human support.
Account minimum
Ease of Use
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4.5 stars
Checkmark Pros

• No management fee
• Customizable portfolio based on risk tolerance and preferences
• Includes 24/7 customer support

Checkmark Cons

• Higher account minimum starting at $5,000
• $50,000 account minimum is required for tax-loss harvesting
• Outsized cash position in the portfolio

Ready to take control of your assets?
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.

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