VaultRubric
Best IRA account (and best IRA match)
IRA options weighted highest: account types offered plus any contribution match. Matches usually come with conditions (holding periods, paid tiers); we score the standard match and show the rest.
Rates change often — verify on the bank's or broker's site before opening an account. Every value shows its as-of date; ⚑ marks figures from third-party sites. Not financial advice.
Too close to call: SoFi Invest and Webull (within 1.4 points).
Weights: Trading costs 12%, Account minimum 12%, IRA options 29%, Transfer-out fee 12%, Protection (SIPC) 18%, Regulatory record 18%
| # | Broker | Score | Options/contract | Notes |
|---|---|---|---|---|
| 1 | Firstrade | 88.0% cov 59% | $0 src · 2026-10-10 | Not eligible to be the pick: missing IRA options |
| 2 | SoFi Invest | 86.7% cov 71% | $0 ⚑ third-party source src · 2026-10-10 | Regulatory: FINRA: SoFi Securities $698,282 re fully paid securities lending (4-firm action) |
| 3 | Webull | 85.3% cov 100% | $0 src · 2026-10-10 | Regulatory: FINRA: $1.6M for influencer communications supervision failures |
| 4 | Wealthfront | 85.3% cov 100% | not found | |
| 5 | Fidelity | 84.6% cov 100% | $0.65 src · 2026-10-10 | |
| 6 | E*TRADE | 82.8% cov 59% | $0.65 src · 2026-10-10 | Not eligible to be the pick: missing IRA options |
| 7 | Charles Schwab | 81.6% cov 100% | $0.65 src · 2026-10-10 | Regulatory: SEC: ~$187M for misleading robo-adviser (Intelligent Portfolios) clients about hidden cash fees |
| 8 | Merrill Edge | 80.5% cov 100% | $0.65 src · 2026-10-10 | Regulatory: FINRA: Merrill Lynch $6M AML fine (reported) |
| 9 | Public | 80.0% cov 88% | $0 + $0.06–$0.18 rebate/contract ⚑ third-party source src · 2026-10-10 | Regulatory: FINRA: $528,124 (fully paid lending); Regulatory: FINRA: $350,000 influencer supervision (reported) |
| 10 | Ally Invest | 80.0% cov 100% | $0.5 src · 2026-10-10 | |
| 11 | Betterment | 80.0% cov 100% | not found | Regulatory: SEC: $9M tax-loss harvesting |
| 12 | Robinhood | 79.4% cov 100% | $0 ⚑ third-party source src · 2026-10-10 | Regulatory: SEC: $45M combined penalties (recordkeeping, reporting, cybersecurity etc.) |
| 13 | M1 Finance | 77.6% cov 100% | Options not offered src · 2026-10-10 | Regulatory: FINRA: $850,000 for misleading influencer posts/supervision |
| 14 | Vanguard | 74.7% cov 88% | $1.0 src · 2026-10-10 | Regulatory: SEC: $106.41M re target-date fund capital gains disclosures |
| 15 | Interactive Brokers | 70.5% cov 88% | Fixed $0.65; Tiered $0.15–$0.65 src · 2026-10-10 | Regulatory: FINRA/Nasdaq PHLX: Reported $7.75M fine for mismarking options orders |
Brokers offering an IRA match
- Charles Schwab: None ⚑ third-party source src · 2026-10-10
- Vanguard: None advertised src · 2026-10-10
- Robinhood: 1% standard; 3% with Gold ($5/mo, keep 1 yr); 1% on transfers/rollovers; 5-yr hold src · 2026-10-10
- Merrill Edge: None advertised src · 2026-10-10
- SoFi Invest: 1% on contributions and rollovers src · 2026-10-10
- Webull: 3.5% with Webull Premium; base 1% per third party src · 2026-10-10
- Public: 1% on annual contributions (Traditional & Roth); 4% with Reserve per third party src · 2026-10-10
- M1 Finance: None advertised src · 2026-10-10
- Betterment: None advertised src · 2026-10-10
Matches typically require keeping funds for a set period and some require a paid subscription. Read the terms.
Top 3 compared
| Fact | Firstrade | SoFi Invest | Webull |
|---|---|---|---|
| Stock/ETF commission | $0 src · 2026-10-10 | $0 src · 2026-10-10 | $0 src · 2026-10-10 |
| Options (per contract) | $0 src · 2026-10-10 | $0 ⚑ third-party source src · 2026-10-10 | $0 src · 2026-10-10 |
| Account minimum | not found | not found | $0 src · 2026-10-10 |
| IRA types | not found | Traditional, Roth, SEP, Rollover src · 2026-10-10 | Traditional, Roth, Rollover src · 2026-10-10 |
| IRA match | none found | 1% on contributions and rollovers src · 2026-10-10 | 3.5% with Webull Premium; base 1% per third party src · 2026-10-10 |
| Transfer-out fee | $75 src · 2026-10-10 | $100 src · 2026-10-10 | $75 src · 2026-10-10 |
| SIPC member | Yes src · 2026-10-10 | not found | Yes src · 2026-10-10 |
| FINRA CRD | CRD 16843 src · 2026-10-10 | CRD 151717 src · 2026-10-10 | CRD 289063 src · 2026-10-10 |
| Regulatory actions (5 yrs) | none found in last 5 yrs src · 2026-10-10 | 2023 FINRA: SoFi Securities $698,282 re fully paid securities lending (4-firm action) src | 2025-05 FINRA: $1.6M for influencer communications supervision failures src |
Opens the tool with these platforms filled in, so you can change the weights.
Related comparisons
- Robinhood vs Webull
- Ally vs Marcus
- Capital One 360 vs Ally
- SoFi vs Ally
- Wealthfront Cash vs Betterment Cash
- Fidelity vs Schwab
- Fidelity vs Vanguard
- Marcus vs SoFi
FAQ
What is the best ira account (and best ira match)?
Too close to call between SoFi Invest and Webull. Your answer depends on your priorities; adjust the weights in the tool.
How does VaultRubric score these?
Only from our curated dataset (official pages, regulators, and flagged third-party sites), with fixed formulas shown in “Show math”. No AI or live scraping, so the same comparison always gives the same result. Not financial advice.