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Spousal IRAs

A single income doesn’t have to limit retirement savings

Single income households who file a joint tax return can expand your path to retirement savings under spousal IRA rules.

Spousal IRAs at a glance

Typically, you can only open an IRA if you receive a W-2 for earned income at the end of the year. With a spousal IRA, you can fund a Traditional or Roth IRA in the name of the non-working spouse and double your annual retirement savings as a married couple. You and your spouse must qualify and file a joint tax return.

Your working spouse’s income must equal or exceed the total IRA contributions made on behalf of both spouses. Spousal IRAs can be Traditional IRAs or Roth IRAs.

Overview

If you are married and one spouse earns little to no income, you can generally make an annual IRA contribution to both the working spouse’s IRA and the non-working spouse’s IRA.

Tax benefits

With a spousal Traditional IRA, you can make contributions that may be tax deductible, depending on your income. Your money grows tax-deferred, and any withdrawals you take of deductible contributions and earnings will be taxed as current income in the year you take them.

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

Contribution limits

With a spousal IRA, the non-working spouse can make a contribution subject to the same limits and qualifications of the type of IRA you select (Traditional or Roth). Learn more. 

Withdrawals

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

Required Minimum Distributions

Required Minimum Distributions for a spousal 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. There are no additional account maintenance or transactions fees when you invest directly with Dodge & Cox.

Traditional IRA vs. Roth IRA

A spousal IRA uses either a Traditional or Roth IRA in the non-working spouse’s name to manage contributions and retirement savings.

Compare IRAs

Take the next step

Open a Dodge & Cox Funds spousal IRA today. 

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FAQs about IRAs

Find answers to commonly asked questions about IRAs, organized by topic.

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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

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Tax Center

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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.