As the name implies, an Individual Retirement Account (IRA) offers tax-deferred investments independent of one’s employer. 401GO is an IRA provider offering robust retirement saving tools for individuals at a surprisingly affordable price. Simply put, we’re an IRA company offerings a better way.
IRA Plans
Thinking Differently for Your Benefit
Other IRA firms may use antiquated means to serve their customers. At 401GO, we utilize modern technology to streamline the plan setup and maintenance process, saving you time, money, and headaches. Our customized solutions and top-notch customer service help you navigate the road to financial security.
What Makes 401GO Work for You
Affordable Pricing
Exceptional Customer Service
Quick Setup
Easy Navigation
You Maintain Full Control
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Our Software
Benefits of an IRA with 401GO
15-Minute Setup
Start an IRA account in less time than it takes to order coffee. With our helpful staff and streamlined technology, it’s never been easier to start saving for retirement.
Investment Options
Access a broad range of investment options, including mutual funds and individual securities, to help your money grow in value over time. The best IRA companies are nothing without options.
Guided Portfolio Builder
You can choose your own IRA investments or use our automated portfolio builder to create a lineup customized to your needs. You can easily make changes to your investment choices at any time.
World Class Customer Service
We use technology to speed up the boring parts and focus more on helping you. When you contact 401GO, a dedicated representative will resolve your concerns quickly and painlessly.
Our Pricing
Pricing to Fit Every Budget
A 401GO IRA costs just $2/month plus a 0.3% assets under management (AUM) fee, which is withdrawn automatically, so you won’t have to worry about monthly bills.
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Frequently Asked Questions
Questions? We’ve Got Answers
What is a Roth IRA?
A Roth IRA offers after-tax contributions that grow and can be withdrawn tax-free. Like a traditional IRA, Roth plans are not connected to one’s employer. Anyone can open a Roth IRA account, and 401Go will help you set one up in less than 15 minutes.
What other advantages does a Roth IRA offer?
Roth IRA account holders benefit from not having to make required minimum distributions, allowing their savings to continue growing tax-free beyond the age of 73. Roth IRA accounts can receive contributions as long as their owner earns income.
Who is eligible to contribute to an IRA?
To contribute to an IRA, you must have taxable income and stay below certain income limits. For a married person filing jointly, their combined modified adjusted gross income (MAGI) must be less than $252,000 annually. For a married person filing separately from their live-in spouse, MAGI must be below $10,000 per year. For a single person, MAGI must be less than $168,000 per year. (2026 limits. Amounts change annually.)
How much can I contribute to an IRA?
IRA contribution limits depend upon your age and change annually. In 2026, contribution limits for IRAs are $7,500, or $8,600 for those 50 or older.
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Get Started with 401GO
Are you ready to start saving money for retirement? Contact 401Go—an IRA provider dedicated to your financial well-being. Start saving for retirement in less than 15 minutes.
