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Adding an IRA provides you with more investment choices, more flexibility, and potential tax benefits — now or later.
Choose your investing style. Then select an IRA type when opening your account.
If you’re the hands-on type who prefers to make your investment decisions, you can trade stocks, mutual funds and more with WellsTrade®.
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your account in the Wells Fargo Mobile® appFootnote 6.
your account and build your portfolio by setting up recurring contributions.
when and how you want by staying informed with research and insights.
If you’re not sure where to begin, Intuitive Investor® makes investing easier with technology that does the work for you.
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a few questions and get your expert-designed portfolio recommendation.
your account with $500 or more and build your portfolio by setting up recurring contributions.
and let the technology go as it monitors your account daily, automatically rebalancing as needed.
Compare WellsTrade and Intuitive Investor to help you choose the option that’s right for you.
| Do-it-yourself investing WellsTrade® |
Automated investing Intuitive Investor® |
|
|---|---|---|
|
Investing preference |
Make my own trades. |
Technology handles it for me. |
|
How it works |
Trade stocks, exchange-traded funds (ETFs), and mutual funds online on your own. |
Answer a few questions to find a portfolio. Investments monitored daily and rebalanced as needed. Access to a phone-based advisor if you need help. |
|
Investing |
No minimum |
$500 |
|
Fees |
$0 per online stock & ETF trades2 |
0.35% annual advisory fee (discounts available)3 |
|
Access to research |
Yes |
Yes |
1. Traditional IRA distributions are taxed as ordinary income. Qualified Roth IRA distributions are not subject to state and local taxation in most states. Qualified Roth IRA distributions are also federally tax-free, provided a Roth account has been open for more than five years and the owner has reached age 59½ or meets other requirements. Both may be subject to a 10% additional tax if distributions are taken prior to age 59½.
2. $0 per trade is applicable to commissions for online and automated telephone trading of stocks and exchange-traded funds (ETFs). For stock and ETF trades placed with an agent over the telephone, a $25 agent-assisted trading fee is charged. Each trade will be treated as a separate transaction, subject to commission. An order that executes over multiple trading days may be subject to additional commission. One commission will be assessed for multiple trades, entered separately, that execute on the same day, on the same side of the market. Other fees and commissions apply to a WellsTrade account. For complete information on fees and commissions, refer to wellsfargo.com/investing/wellstrade-online-brokerage/pricing. Schedule subject to change at any time.
3. When you link your Intuitive Investor account offered through Wells Fargo Advisors to your Wells Fargo Bank Prime Checking, Premier Checking or Private Bank Interest Checking account, you will receive a discount on your Intuitive Investor account advisory fee. The advisory fee discount will be based on the type of checking account you have and will be applied at account opening if the account is eligible to be linked to an existing Wells Fargo Bank Prime Checking, Premier Checking or Private Bank Interest Checking account. If your Intuitive Investor account is not linked to a Wells Fargo Bank Prime Checking, Premier Checking or Private Bank Interest Checking account within 90 days, the discounted advisory fee will no longer apply and the standard advisory fee of 0.35% will apply. If the Wells Fargo Bank Prime Checking, Premier Checking or Private Bank Interest Checking account is closed, the discounted advisory fee will discontinue and revert to the standard advisory fee of 0.35%. Custodial accounts and certain trust accounts are not eligible for the Wells Fargo Bank Prime Checking, Premier Checking or Private Bank Interest Checking account advisory fee discount. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. For complete fee information, refer to the Intuitive Investor fee schedule (PDF).
4. Refer to the Wells Fargo Bank Consumer Account Fee and Information Schedule for further information about the Prime Checking and Premier Checking account and applicable bank fees. For The Private Bank Interest Checking account and applicable bank fees, refer to both the Wells Fargo Consumer Account Fee and Information Schedule and The Private Bank Consumer Deposit Products Disclosure. The Prime Checking account has a $25 monthly service fee. The fee can be avoided each fee period with $20,000 or more in statement-ending qualifying linked balances. The Premier Checking account has a $35 monthly service fee. The fee can be avoided each fee period with $250,000 or more in statement-ending qualifying linked balances. The statement-ending qualifying balances for each of these account types include linked (a) consumer bank deposit account balances (checking, savings, time accounts (CDs), FDIC-insured IRAs) and (b) investment account balances (investments available through our affiliate Wells Fargo Advisors, and applicable bank fiduciary and custody accounts). Wells Fargo may waive the monthly service fee at its discretion for promotional or other purposes. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
Wells Fargo Advisors:
5. Advisory fees are paid quarterly and do not include ETF fees.
6. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
Screen images are simulated. Features, functionality, and specifications appearing in those images may change without notice.
Use of stock symbols is for illustrative purposes only and not a recommendation.
The Private Bank is an experience level for qualifying clients of Wells Fargo Wealth & Investment Management (WIM). WIM offers financial products and services through affiliates of Wells Fargo & Company. Bank products and services are available through Wells Fargo Bank, N.A.
Investment and Insurance Products are:
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