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 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 receive no compensation in these situations—because it’s just the right thing to do!

Schwab Intelligent Portfolios IRA vs TD Essentials IRA

Schwab Intelligent Portfolios is a great option if you want An automated IRA at Schwab, especially if you already have accounts there.

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

Schwab Intelligent Portfolios IRA

Automated

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Best if you wantAn automated IRA at Schwab, especially if you already have accounts there.
Fees0%
What they invest inAll digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
LimitationsYour portfolio will mainly have Schwab funds in it and Schwab keeps more of your money in cash than competitors which could impact your returns.
Human advisor available?Only if you have more than $25,000 to invest, and for an extra fee of $30/month.
Account Minimums$5,000
Ease of Use3 stars
Customer SupportOnline, call center, and branches.
Additional Info

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TD Essentials IRA

Automated

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Best if you wantAn automated portfolio and you have an existing banking or brokerage relationship with TD Ameritrade.
Fees0.30%
What they invest inAll digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
LimitationsThe 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 Use2.5 stars
Customer SupportMix of online, call center, and branches.
Additional Info

Read our full review

Learn more about TD Ameritrade

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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.