Make your retirement funds work for you
Retired.com makes it simple to invest in alternatives and digital assets within a tax-advantaged retirement account. Whether you're rolling over an old 401(k), transferring an existing IRA, or making a new contribution, you can be set up and invest in just a few steps.
What you can actually invest in
Pick a category to see the products, structures, and safeguards behind it.
Three ways to move money in
Retired.com initiates the paperwork and coordinates with your current administrator. You approve; we handle the rest.
Rollovers
Move funds from an old employer-sponsored plan into your new Retired.com IRA. A rollover moves funds between two different types of retirement accounts — our team coordinates directly with your former plan administrator.
IRA Transfer
Transfer funds from an existing IRA — Traditional, Roth, SEP, or SIMPLE — to your Retired.com account. A transfer moves funds between the same type of retirement account, and Retired.com initiates the process on your behalf.
Direct Contribution
Contribute new funds directly from your bank account, up to the annual IRA contribution limits.
Four IRAs types
Retired.com initiates the paperwork and coordinates with your current administrator. You approve; we handle the rest.
Traditional IRA
Contributions may be tax-deductible. Growth is tax-deferred, with taxes generally due on taxable withdrawals.
Roth IRA
Contributions are made with after-tax dollars. Qualified withdrawals are tax-free.
SEP IRA
Designed for self-employed individuals and small business owners, with higher contribution limits than traditional IRAs.
SIMPLE IRA
For small businesses with employees. Both employer and employee contributions are permitted.
Full control of your portfolio, at your own pace
Manage your IRA from the web or mobile app.
24/7 digital asset trading
Buy, sell, and swap 100+ digital assets anytime from your dashboard or mobile app.
Mobile app
The Retired.com app for iOS and Android lets you manage your IRA investments from anywhere.
Portfolio dashboard
A complete view of your holdings, account performance, transaction history, and educational resources in one place.
Dedicated Support
Every Retired.com client is supported by a team of experienced specialists available by phone. From your first account questions to ongoing rollover assistance, our team is available to help you navigate every step of the process.
Walking you through the account opening process
Coordinating rollovers and transfers from existing retirement accounts
Answering questions about fees, trading, and account management
Retired.com Fees
Opening and funding your account is free. Retired.com's fee model includes:
No Account Setup Fee
Get started for free
$0
No Deposit or Withdrawal Fee
No cost to move money in and out
$0
Cryptocurrency Transaction Fee
Stocks & ETFs trade for $0, fee only applies to digital assets
1%
Monthly Plan Fee
Optional $50 monthly fee to unlock additional features
$0
Your assets, not ours
Retired.com is the platform you use to direct your account, it is not the holder of your assets. Here is exactly what that means.
Held by a qualified custodian
Your assets are held through qualified third-party custodians. Retired.com does not take custody of client assets.
Never lent or leveraged
We do not borrow against, lend out, or trade with client assets. Our custody partners are held to the same restriction.
Titled to your account
Alternative assets are held for the benefit of your account, with storage and custody structures varying by asset.
Regulated execution
Public-market orders are executed and cleared by Interactive Brokers LLC, a member of FINRA and SIPC.
¹ Product screens are illustrative of how the platform works but are not fully representative of actual data or updated user experience
Ready to retire differently?
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