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IRA/Retirement Center

For more than 90 years, investors like you have relied on Dodge & Cox to help them save for retirement. Consider opening an Individual Retirement Account (IRA) to supplement your 401(k) or company pension.

Let’s find the right IRA for you

An IRA offers a simple, tax-advantaged way to help you build your savings for retirement. Dodge & Cox offers different types of IRAs, depending on your age, your income, and possible tax consequences.

Traditional IRA

I want to reduce my taxable income now.

With a Traditional IRA, you may make contributions that may be deductible, your money grows tax-deferred, and withdrawals of deductible contributions and earnings are taxed as current income.

Roth IRA

I want my retirement contributions to grow tax-free.

With a Roth IRA, you contribute after-tax dollars, your money grows potentially tax-free, and you can generally make tax- and penalty-free withdrawals after age 59½ if you have had a Roth IRA for more than five years.

Rollover IRA

I want to roll over my 401(k) from a previous employer.

Open a Rollover IRA to consolidate assets from a former employer’s retirement plan while continuing to save for retirement. 

More about Rollover IRAs

Traditional IRA vs Roth IRA

While both offer tax benefits, there are differences between these IRAs. We help break it down for you. 

Compare IRAs

Other IRA options

Inherited IRA

I want to defer taxes on my inherited retirement account.

Open an Inherited IRA to keep inherited retirement assets tax-deferred while investing for the future. Pay taxes only when distributions are taken. 

More about Inherited IRAs
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SEP IRA

I’m self-employed and want to save for retirement.

Take advantage of flexible annual contributions from 0% to 25% of earned income with a SEP IRA. Contributions must be made by the employer entity and are tax-deductible. 

Take the next step

Open a Dodge & Cox Funds IRA today. Access our no-load, low-cost mutual funds to help you invest for your retirement goals.

Open an IRA

IRA withdrawals

Are you thinking about withdrawing money from your IRA? Be aware of the potential tax consequences.

Here are a few things you may want to consider

Account forms

Find what you need right away. Many forms can be completed online, or you can download a PDF where it's offered to fill out a paper form. 

Go to Forms and guides

FAQs about IRAs

Find answers to commonly asked questions about traditional, Roth, and rollover IRAs, organized by topic.

Visit IRA FAQs

Disclosures

Tax laws and regulations are complex, and subject to change, which can materially impact investment results. Dodge & Cox cannot guarantee that the information herein is accurate, complete, or timely and makes no warranties with respect to such information, including your use of, or any tax position taken in reliance on, such information. Only Dodge & Cox Funds are available for purchase in a Dodge & Cox Fund IRA Account. Investment options available through an employer's retirement plan or other IRA providers and any associated fees and expenses will differ. Consult with a tax or legal advisor before making any investment decision.