Stock Trading
Buy and Sell Equities Inside Your Retirement Account
Trade equities the retirement-smart way
Most brokerages were not designed with long-term retirement investors in mind. Retired.com gives you direct access to U.S. equities inside an account structure that protects your gains from capital gains taxes, so every winning trade works harder for your future.
Tax-Advantaged Trades
Full U.S. Equity Access
Trade stocks listed on the NYSE, Nasdaq, and other major exchanges, from large-cap blue chips to small-cap growth names.
Retirement Focus
Research, content, and support designed for long-horizon investors, not day traders.
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Top Benefits of Retired.com’s Stock Trading
Tax-Advantaged Trading
Generate no capital gains taxes when you buy and sell within your IRA accounts. Keep every dollar working for retirement.
Low, Transparent Fees
No trading fees and visible maintenance fees. You always know what you are paying before working with Retired.com.
Long-Horizon Mindset
Built for investors who think in decades, not days. Our platform encourages disciplined, long-term decisions.
Expert Support
Real support specialists available to help you think through trades and allocations.
No Drag on Frequent Trades
You can buy and sell stocks, rebalance, or take short-term profits inside the account without triggering capital gains taxes for that specific year.
Start investing in stocks with your IRA
Strategies
Your stock trading blueprint, for free
Want to learn how to evaluate companies for the long term, build a dividend-focused portfolio, or rebalance without tax friction? Explore our resource center for retirement-focused stock investing guides.
Learn before you trade with Retired.com’s stock trading content
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Frequently Asked Questions
What is stock trading inside an IRA?
Stock trading inside an IRA means buying and selling individual equities within a self-directed retirement account. Your trades occur in a tax-advantaged structure, so you can manage your portfolio without triggering taxes on each transaction.
What are the tax advantages of trading stocks in an IRA?
In a Traditional IRA, gains grow tax-deferred until withdrawal. In a Roth IRA, qualified withdrawals are tax-free. Either way, you can sell winners and rebalance without owing capital gains taxes on every trade.
Which stocks can I trade?
With Retired.com, you can trade stocks listed on the NYSE, Nasdaq, and other major U.S. exchanges. Penny stocks and certain restricted securities may not be supported.
Are there limits on how often I can trade?
There are no restrictions on trading frequency inside your Retired.com IRA. That said, the IRA structure rewards a long-term mindset, and our platform is built for retirement investors rather than active day traders.
Can I trade options or use margin?
IRAs operate as cash accounts and do not support traditional margin trading. Limited options strategies may be supported. Speak with our team to learn what is permitted in your account type.
What fees apply to stock trading?
There is no Trading Fee when you buy, sell, or swap stocks or ETFs. Your IRA account incurs a recurring monthly account fee of $50. There are no setup fees and no fees on incoming deposits.
How are my stock holdings protected?
Your stock positions are held with institutional-grade custodial partners. Account protection meets standard regulatory requirements for self-directed IRAs.
*Based on assets under custody across all Retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
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