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Retirement IRA Account by J.P. Morgan

Help secure your future with an IRA

Learn more about IRA accounts

What is an IRA?

What is an IRA?

An IRA is a tax-advantaged account that helps individuals plan and save for retirement.

Who is an IRA for?

Who is an IRA for?

Available at any career stage, an IRA is for individuals with taxable income who are planning for retirement.

Why invest in an IRA?

Why invest in an IRA?

The tax advantages of an IRA may make it a smart way to save for your future.

Two ways to get started with an IRA

Traditional IRA

With a traditional IRA, any potential earnings grow tax-deferred until you withdraw them.

Roth IRA

With Roth IRA, your contributions are taxed, and you potentially get to enjoy tax-free withdrawals.

Individual retirement accounts with J.P. Morgan

  • Our J.P. Morgan advisors and online investing tools can help you prioritize your long-term investing and retirement goals.
  • It’s easy to start and manage an account. Sign up online and access your account via desktop or mobile.
  • After opening up the right IRA account for your needs, you can choose from a wide range of investments.
  • You also have the option to rollover your workplace 401(k) into a J.P. Morgan IRA.
  • We know that life is unpredictable. We’re here to help you adjust and make the most out of your long-term investments.

JPMorgan Chase and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Here’s how we can work together

Work with a J.P. Morgan Advisor

Work with a J.P. Morgan Advisor

Work one-on-one with a dedicated advisor who will help you design an investment strategy for you and your family’s goals.

Trade online for free

Trade online for free

Research and manage your investments with unlimited commission-free online stock, ETF and options trades. No minimum to start.
 

Invest with our robo-advisor

Invest with our robo-advisor

Have your portfolio managed with the expertise and technology of J.P. Morgan, and monitored by our team of specialists to help keep you on track.
 

Learn from our expertise

Browse the latest research, articles and insights from J.P. Morgan specialists to help you make the most of your investments.

Frequently Asked Questions

IRA stands for individual retirement account, which is distinct from a workplace retirement account, such as a 401(k).

An IRA account is a tax-advantaged way of saving for retirement. A company’s 401(k) may not be enough to help you reach your financial milestones, so contributing to an IRA can help bring you closer to your retirement goals. The two main types of IRAs are Traditional and Roth.

Traditional IRA contributions may be tax-deductible. When it’s time to make a withdrawal, the funds are taxed as income. Anyone with an earned income is eligible, but deductibility depends upon your income and whether you have a workplace retirement plan.

 

With a Roth IRA, you contribute after-tax dollars now and can get tax-free withdrawals of "qualified distributions." Eligibility is based on how much you earn.

Maximum IRA contributions can change from year to year. For 2021 and 2022, the cumulative max IRA contribution you can make to all your IRA accounts is $6,000, or $7,000 if you’re 50 years old or older. Note that you may be able to contribute to both an IRA and your company’s 401(k), or other employer sponsored retirement account.

How much you need to retire depends on many factors including when you retire and your expected cost of living, so it’s often a good idea to work with a financial professional to help determine how much you may need. You can also use our helpful retirement calculator to estimate your future savings.

Find more ways to invest and stay connected

Roll over your 401(k)

Roll over your 401(k)

Take the next step toward your retirement goals by moving your employer-sponsored retirement plan into a J.P. Morgan IRA.

Retirement guides

Retirement guides

Wherever you are in your retirement planning journey, there’s always a best next step. Explore our retirement checklist and get a sense of what you could be focusing on.

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LEARN MORE ABOUT OUR FIRM AND INVESTMENT PROFESSIONALS AT FINRA BROKERCHECK.

To learn more about J. P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS (PDF) and Guide to Investment Services and Brokerage Products.

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