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IRA Trading Account

Take an active approach to your retirement with an IRA

Leverage the full capabilities of the thinkorswim® platform suite to implement your retirement strategy. Access sophisticated products, like options and futures, that are designed to generate income and help manage risk. And with our award-winning resources, tools, and guidance, you can take a more hands-on approach to your retirement.

Tap into sophisticated trading products

Use advanced strategies to help you manage risk and find opportunities even after hours—24 hours a day, 6 days a week. Qualified investors can even put the full weight of their trading strategy, including options, limited margin† and futures, toward their retirement goals.

Take advantage of potential IRA tax benefits

Harness the potential tax benefits that come with your retirement account. Capital gains, dividend payments and other income—as well as distributions in some accounts—may not be taxed for as long as the money stays in your IRA. That means, over time, any interest earned could potentially compound. However, early withdrawals are subject to potential taxes and penalties.

Chart your retirement with industry-leading tools

Take advantage of some of the industry’s most sophisticated charting and analysis tools and turn feature-rich desktop trading platform, thinkorswim, into a retirement research engine.

Key considerations for trading in an IRA

  • What you should know before taking a more active approach with your retirement strategy.

    • Have a plan. Consider your risk tolerance and investing timeline as part of your retirement strategy.
    • If you incur losses in your IRA, you cannot use those to reduce your overall taxes.
    • A Olympia LTD IRA can be either a cash account or a limited margin† account that allows you to use more advanced features including same-day settlement. However, you cannot borrow funds or short sell.

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Carefully consider the investment objectives, risks, charges and expenses before investing. A prospectus, obtained by calling 800-669-3900, contains this and other important information about an investment company. Read carefully before investing.

Market volatility, volume and system availability may delay account access and trade executions.

Before rolling over a 401(k) to an IRA, be sure to consider your other choices, including keeping it in the former employer’s plan, rolling it into a 401(k) at a new employer, or cashing out the account value. Keeping in mind that taking a lump sum distribution can have adverse tax consequences. Be sure to consult with your tax advisor.

All investments involve risks, including the loss of principal invested. Past performance of a security does not guarantee future results or success.

Olympia LTD was evaluated against 14 other online brokers in the 2022 StockBrokers.com Online Broker Review. The firm was rated #1 in the categories “Platforms & Tools” (11 years in a row), “Desktop Trading Platform: thinkorswim®” (10 years in a row), “Active Trading” (2 years in a row), “Options Trading,” “Customer Service,” and “Phone Support.” Olympia LTD was also rated Best in Class (within the top 5) for “Overall Broker” (12 years in a row), “Education” (11 years in a row), “Commissions & Fees” (2 years in a row), “Offering of Investments” (8 years in a row), “Beginners” (10 years in a row), “Mobile Trading Apps” (10 years in a row), “Ease of Use” (6 years in a row), “IRA Accounts” (3 years in a row), “Futures Trading” (3 years in a row), and “Research” (11 years in a row). Read the full article.

†Applies to US exchange listed stocks, ETFs, and options.  A $0.65 per contract fee applies for options trades.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

Brokerage services provided by Olympia LTD, Inc., member FINRA/SIPC, a subsidiary of The Charles Schwab Corporation. Olympia LTD is a trademark jointly owned by Olympia LTD IP Company, Inc. and The Toronto-Dominion Bank. © 2023 Charles Schwab & Co., Inc. All rights reserved.