Redirection Confirmation

You'll be re-directed to Individual Investor site.

Stay on the $country-name$ $persona-name$ site.
Continue to $country-name$ Individual Investor site.

Skip to main content

Custodial IRAs

Starting early offers the greatest chances for success

You can help a child begin investing to build their retirement nest egg over the long-term with a custodial IRA.

Custodial IRAs at a glance

A custodial IRA works similarly to a regular custodial account, except that it applies to an IRA. An adult, typically a parent or guardian, must establish and manage the IRA for the minor as the custodian until the child reaches age 18 (21 in some states).

Overview

A minor with earned income is eligible to contribute to a custodial IRA. All funds belong to the child, allowing them to start saving for retirement earlier. Custodial IRAs can be Traditional IRAs or Roth IRAs, subject to the same annual contribution, income, and distribution provisions.

Tax benefits

With a custodial Traditional IRA, contributions may be tax deductible.  The money grows tax-deferred. Withdrawals of deductible contributions and earnings are taxed as current income.
 

With a custodial Roth IRA, contributions are after-tax dollars, and money grows potentially tax-free. Withdrawals after age 59½ are generally made tax- and penalty-free.

Contribution limits

Custodial IRAs are subject to the same limits and qualifications of the type of IRA selected (Traditional or Roth). Learn more. 

Withdrawals

Withdrawal rules for a custodial IRA follow the same rules as the type of  IRA selected (Traditional or Roth). Learn more.

Required Minimum Distributions

Required Minimum Distributions for a custodial IRA follow the same rules as the type of IRA selected (Traditional or Roth). Learn more.

Dodge & Cox Funds account fees

You can expect to incur the typical Fund expenses and fees that are reflected in each Fund’s expense ratio. When you invest directly with Dodge & Cox, you do not have to pay additional account maintenance or transactions fees.

Minimum initial investment

$1,000 per fund per account

Take the next step

Open a Dodge & Cox Funds custodial IRA today.

Open an account online

FAQs about IRAs

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

Visit IRA FAQs

We’re here to help.

Call

Call us at +1 800-621-3979

Client resources are available Monday through Friday, 8 a.m. to 7:30 p.m., Eastern Time

 

For help with:

  • General firm and Dodge & Cox Funds information (literature, prospectuses, forms etc.)
  • Your Dodge & Cox Funds IRAs, General Investment and Separate Entity accounts

Mail

Mail your Dodge & Cox Funds IRA, General Investment and Separate Entity accounts forms and documents.

 

Regular Mail  

Dodge & Cox Funds
P.O. Box 219502
Kansas City, MO 64121-9502 

 

Express Mail

Dodge & Cox Funds 
430 W. 7th Street, Suite 219502
Kansas City, MO 64105-1407

Online

Don’t wait for mail delivery. Log into your account to upload respective forms securely to Dodge & Cox. 

 

Forms and guides

Search for, download or order literature, forms and account applications.

 

Tax Center

Find general information, guides, tax forms and more. 

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.