Retirement Accounts

Retirement Accounts

  • Use the IRA Selector tool to see if you qualify for a Traditional or a Roth IRA.
  • Contribute on an after-tax basis and make qualified withdrawals at any time.
  • Automate your retirement investing with Smart Portfolios (low $1000 minimum).
  • Enjoy fast, easy withdrawals at age 59½ with free cash management features.
  • Withdraw contributions at any time tax-free and penalty-free on the earnings with certain exceptions.

Why open an account with BCS?

Eligibility information

Anyone with modified adjusted gross income (MAGI) that doesn't exceed MAGI limits of $144,000 for single filers and $214,000 for joint filers is eligible for a Roth IRA

Tax-free qualified distributions

If 5 years have passed since the tax year of your first contribution to any Roth IRA and you meet certain criteria such as being 59 ½ years old, then you have met the requirements for a qualified distribution.

No required minimum distributions (RMDs)

Not required to make RMDs from Roth IRA during account holder’s lifetime.

Investment choices

Invest for the future with stocks, bonds, options, futures, limited margin, ETFs, and thousands of mutual funds

Managed Portfolios

We can build, monitor, and manage a diversified retirement portfolio for your retirement needs—for as little as $15 a year5,6

Access to a wide range of investment choices

hoose from a wide range of stocks, commodities, options, 7,000+ mutual funds, and ETFs

Flexibility

Withdraw assets penalty-free at any time for a qualified first time home purchase, qualified higher education costs, or certain medical exp.

Easy process

Get support from our team of Retirement specialists who will explain your account options and guide you from start to finish

Have questions? Get free answers.

We're always here if you need help or want to bounce ideas off us. Our team leaves confusing financial proposals at the door, and instead talks to you like a human.
Not sure where to begin? We can help you learn the ins and outs of investing with in-depth tutorials, articles, videos, and more.
RISK DISCLOSURE
CFDs and Spread Betting are complex instruments and come with a high risk of losing money rapidly due to leverage. 68.70% of retail investor accounts lose money when trading CFDs and Spread Betting when without a strategy or consultancy provider. You should consider whether you understand how CFDs and Spread Betting work and whether you can afford to take the high risk of losing your money. BrokerCreditServiceEU Limited is the holding company of BrokerCreditServiceEU Prime Brokerage Ltd, Firm reference number No586463 BrokerCreditServiceEU Prime Brokerage UK Limited and BrokerCreditServiceEU Ltd. BrokerCreditServiceEU Prime Brokerage Ltd is authorised and regulated by the Financial Conduct Authority (registration No8040031). BrokerCreditServiceEU Ltd is authorised and regulated by the Cyprus Securities and Exchange Commission (licence no154856) and authorised by the Financial Sector Conduct Authority ('FSCA') (authorisation No51404). BrokerCreditServiceEU MARKETS SA (PTY) LTD BCS Global Markets provides execution services and enters into principal-to-principal transactions with its clients on BrokerCreditServiceEU's prices. These transactions are not traded on an exchange. BrokerCreditServiceEU Ltd ("BrokerCreditServiceEU LTD") is an operating subsidiary within the BrokerCreditServiceEU group of companies (collectively, the "BrokerCreditServiceEU"). All references on this site to "BCS" refer to the BrokerCreditServiceEU.
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