Announcement
Capitalize was named a TIME Best Invention 2021! Read More
×
 
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 might receive no compensation in these situations—because it’s just the right thing to do!

TD Essentials IRA vs Ally Invest Robo Portfolios IRA

TD Essentials is a great option if you want an automated portfolio and you have an existing banking or brokerage relationship with TD Ameritrade.

Consider Ally Invest Robo Portfolios if you want an automated IRA from a leading digital bank offering a range of other financial products (incl. bank accounts & mortgages).

TD Ameritrade

TD Ameritrade

Automated

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.
Ally

Ally

Automated

Best if you want
An automated IRA from a leading digital bank offering a range of other financial products (incl. bank accounts & mortgages).
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
Ally's 0% fee only applies to the "Cash-Enhanced" portfolio which puts 30% of your assets into cash, which could impact your returns.
Human advisor available?
Not at this time, though you'll get access to Ally's call center support.
Account Minimums
$100
Ease of Use
Star filledStar filledStar filledStar half
3.5 stars
Customer Support
Mix of online and call center.
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.
COMPARE

Compare TD Essentials to another IRA product

Wealthfront

Read

E*TRADE

Read

Merrill Lynch

Read
COMPARE

Compare Ally Invest Robo Portfolios to another IRA product

Wealthfront

Read

TD Ameritrade

Read

SoFi

Read