Investing Accounts
From self-directed brokerages to fully managed robo-advisors, the right investing account depends on how hands-on you want to be — and what tax bucket your money belongs in.
Frequently asked questions
Brokerage vs IRA — what's the difference?+
A brokerage account is fully flexible but has no tax advantages. An IRA (Roth or Traditional) gets special tax treatment in exchange for contribution limits and withdrawal rules.
What is a robo-advisor?+
A robo-advisor automatically invests and rebalances your portfolio based on your risk tolerance and goals. They typically charge 0.25%–0.50% per year, far less than a human advisor.
Are investing accounts insured?+
Brokerage accounts are protected by SIPC up to $500,000 (including $250,000 in cash) — but SIPC only covers brokerage failure, not market losses.
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