Get Started Menu Menu
 
Partnership Disclosure
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 Portfolios IRA vs TD Essentials IRA

Facebook Icon
Twitter
LinkedIn
Envelope

Schwab Intelligent Portfolios is a great option if you want an automated IRA with no management fee and a wide range of portfolio options.

Consider TD Essentials if you want an automated portfolio and you have an existing banking or brokerage relationship with TD Ameritrade.

Charles Schwab

Charles Schwab

Automated

Open an Account
Best if you want
An automated IRA with no management fee and a wide range of portfolio options.
Fees
0%
What they invest in
All digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
Limitations
Schwab's automated IRA has a $5,000 account minimum which is a little higher than other providers, but comes with 24/7 human support.
Human advisor available?
Yes, the Schwab's Premium Intelligent Portfolios offering; requires $25,000 minimum balance and costs $30 a month in addition to a $300 one time planning fee
Account Minimums
$5,000
Ease of Use
Star filledStar filledStar filledStar filledStar half
4.5 stars
Customer Support
Online, call center, and branches.
Additional Info

Read our full review

Learn more about Charles Schwab

TD Ameritrade

TD Ameritrade

Automated

Open an Account
Best if you want
An automated portfolio and you have an existing banking or brokerage relationship with TD Ameritrade.
Fees
0.30%
What they invest in
All digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
Limitations
The user experience isn't as intuitive as newer, digital-first institutions.
Human advisor available?
Not at this time. TD does offer other accounts with human advisors, but they have higher fees and account minimums.
Account Minimums
$5,000
Ease of Use
Star filledStar filledStar half
2.5 stars
Customer Support
Mix of online, call center, and branches.
Additional Info

Read our full review

Learn more about TD Ameritrade

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.
Get Started
COMPARE

Compare Schwab Intelligent Portfolios to another IRA product

Charles Schwab

Read

TD Ameritrade

Read

SoFi

Read
COMPARE

Compare TD Essentials to another IRA product

TD Ameritrade

Read

TD Ameritrade

Read

Merrill Lynch

Read