Who can contribute to a Roth IRA?

You can contribute at any age if you (or your spouse, if filing jointly) have taxable compensation and your modified adjusted gross income is below certain amounts.

Roth IRA Retirement Account by J.P. Morgan

Please turn on JavaScript in your browser

It appears your web browser is not using JavaScript. Without it, some pages won't work properly. Please adjust the settings in your browser to make sure JavaScript is turned on.

Retire with confidence with a Roth IRA

Tax your investment contributions now and enjoy tax-free withdrawals in your retirement.

Get started on roth IRA

Learn more about Roth IRA accounts

What is a Roth IRA?

It’s a retirement account where earnings can grow tax-free and withdrawals are made with after tax dollars.

Who is Roth IRA for?

A Roth IRA is for anyone earning a taxable income who want to save for retirement and pay taxes now instead of upon withdrawal.

Why invest in a Roth IRA?

A Roth IRA allows you to make tax-free withdrawals during retirement.

Roth IRAs with J.P. Morgan

Our J.P. Morgan Advisors and online investing tools can help you prioritize your long-term investing and retirement goals.
Starting a Roth IRA is easy. Sign up online to access and manage your Roth IRA account via desktop, mobile or meet with a J.P. Morgan advisor today.
Once you open a Roth IRA account, you may be able to contribute annually and pick from a variety of investments, such as mutual funds, bonds, stocks and ETFs.
When it’s time to withdraw from your Roth IRA account, we’re here to help.

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.

Learn about our advisors

Connect now with a JPMorgan advisor

Trade online for free

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

Learn about Self-Directed Investing

Open an account for online trading

Invest with our robo-advisor

Open an account to invest using 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 about Automated Investing

Open an account for managed portfolios

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.

4 strategies for getting the most out of your IRA

Check out these four ways to help maximize your retirement savings with your IRA.

2 minutes read

Should I convert to a Roth IRA?

Some people convert their traditional IRA to a Roth IRA for income-tax-free cash flow during retirement.

By Adam Frank and Jeffrey Herman | 3 minute read

Should you convert your traditional IRA to a Roth?

And some things to consider if you are contemplating a switch.

2 minute read

Frequently Asked Questions

A Roth IRA is an individual retirement account that you fund with after-tax dollars so you can make tax-free withdrawals during retirement.

You can easily open a Roth IRA online or with a J.P. Morgan advisor. Once you fill out an application and are approved, you’re ready to start making contributions and investing in mutual funds, bonds, stocks and exchange-traded funds (ETFs). Just click here to get started.

You can contribute at any age if you (or your spouse, if filing jointly) have and your modified adjusted gross income is below taxable compensation certain amounts.

The IRS sets contribution limits for Roth IRAs and traditional IRAs. Learn more.

You can typically withdraw from a Roth IRA when you are 59 ½ years old with no penalty, if your account is at least five years old. Note there are no required minimum distributions (RMDs) with a Roth IRA.

Find more ways to invest and stay connected

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.

Learn more about roll over 401k

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.

See our retirement guides

Subscribe for market commentary

J.P. Morgan’s exclusive commentary and news delivered to your inbox.

Learn more about market insights

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.

You're now leaving Chase

Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

Please update your browser.

Roth IRA Retirement Account by J.P. Morgan

Retire with confidence with a Roth IRA