Year-end Distribution Information:   We will have estimated year-end income and capital gain distributions information (estimates as of October 31, 2023) available the second week of November.

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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 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. We offer 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 can make contributions that may be tax-deductible, depending on your income. Your money grows tax-deferred. When you withdraw deductible contributions, your earnings will be 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. 

Traditional IRA vs Roth IRA

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

Other IRA options

Inherited IRA

I'm a beneficiary and want to continue to save for retirement.

Open an Inherited IRA to keep inherited retirement assets tax-deferred while investing for the future. 


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. 

Spousal IRA

I'm married, not working, and want to save in an IRA.

A spousal IRA gives an eligible non-working spouse an opportunity to save through an IRA similar to their working spouse.

Custodial IRA

I want to help my child save for retirement.

A minor with earned income can get an early start saving for retirement or other goals.


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.

IRA withdrawals

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

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. 

FAQs about IRAs

Find answers to commonly asked questions about traditional IRA, Roth IRA, and rollovers, organized by topic.

We’re here to help


Call us at +1 800-621-3979

Monday – Friday,

8 a.m. – 7:30 p.m., Eastern time.


Regular Mail

Dodge & Cox Funds

P.O. Box 219502

Kansas City, MO 64121-9502


Express Mail

Dodge & Cox Funds

430 W Seventh Street, Ste 219502

Kansas City, MO 64105-1407


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.