Roth Ira reviews from Reddit
Summary
We analyzed 240 Reddit reviews across 19 subreddits and 46 posts to rank the best Roth Ira brands recommended by redditors, including communities like r/Bogleheads, r/personalfinance, r/dividends, r/RothIRA, r/investingforbeginners. Top-rated brands include Vanguard (4.3/5), Fidelity (4.3/5), Schwab (4.5/5).
Stats
Reviews240
Subreddits19
Posts46
Brands45
Products64
240 reviews from
and
By Brand
/By Product
#1
Vanguard
4.3
(106)
"I moved all mine to Vanguard. I have been with Vanguard since 1983."
"Of those three choices I would (and do) use Vanguard for a Roth IRA."
"Vanguard, fidelity, and Schwab are the best choices."
"Those two funds are both equally excellent total International funds. You should always select the in-house mutual fund for your brokerage, (or any ETF) to minimize transaction fees. So VTIAX at Vanguard, FTIHX at Fidelity."
"I have my roth in Vanguard and a 401k in Schwab. Both great and there aren’t fees."
"The big three low cost brokerages are Vanguard, Fidelity, and Schwab. I have accounts with all three and I would argue that all three are roughly equivalent."
"Deposit the post tax amount into a vanguard Roth Ira and invest in one of the total stock funds."
"Vanguard, Fidelity, Charles Schwab."
"Vanguard and Marcus/GoldmanSachs."
"I would pick from the big 3, Vanguard, Fidelity, Schwab."
#2
Fidelity
4.3
(53)
"I have FZROX 4af."
"Open your Roth IRA at any of Fidelity, Schwab or Vanguard."
"They have significantly lower fees and more investment options than other brokerage firms."
"FTIHX is excellent: very low cost, covers both developed and emerging markets, has (from memory) 4,000+ holdings."
"Fidelity here. Like the features, interface, and has been nothing but a smooth painless experience with them."
"Fidelity is fun and easy to use."
"Fidelity is what I use."
"I would pick from the big 3, Vanguard, Fidelity, Schwab."
"Choose one and go there."
"Fidelity. No need to overthink it."
#3
Schwab
4.5
(16)
"My west coast friends all swear by schwab."
"Schwab in my opinion is the best brokerage."
"I use Schwab and Acorns for my Roth."
"I would pick from the big 3, Vanguard, Fidelity, Schwab."
"Schwab, Fidelity or Vanguard are the top players."
"Fidelity, Schwab or Vanguard."
"The first transfer from his Schwab 529 to his Schwab Roth went through easy as could be hoped for."
"I use Schwabs. They let my do naked shorts and naked options."
"I use Schwab."
"Schwab. So would that be SWYHX, SWYMX, or SWYJX? I'm almost 50 so was thinking the latter two?"
#4
Roth IRA
4.6
(8)
"Roth IRA. Everyone is telling you the same thing."
"Do the Roth IRA. It will have a lot of time to compound and that is very important when it comes to retirement."
"If Roth makes more sense for your situation, and your company doesn’t offer a Roth 457, then just do 7k to Roth IRA then 16k to 457."
"Put $7k in Roth rest in regular IRA."
"Me personally i would max the roth IRA and than contribute the rest to the 457b"
"If they have earned income then a Roth IRA is also great"
"I prefer a ROTH over a 529, but it's more personal preference than anything."
"Roth is great for what you are trying to do but remember that the kids need to be working and have earned income."
#5
Charles Schwab
4.4
(8)
"Personally, I have my entire IRA in this one. No fees and super low net expense ratio 0.08%."
"Charles Schwab"
"Schwab's brokerage account is user-friendly and offers a variety of investment choices."
"SCHD offers solid dividends and low expenses."
"My top winners were Charles Schwab, and Fidelity."
"Schwab is competitive with low fees and good investment choices."
"Fidelity, Schwab, Vanguard each is both a fund company and a brokerage, so you can get their funds without commission."
"Schwab or fidelity"
#7
QQQM
5.0
(2)
"But qqqm if you are looking for an etf"
"QQQM"
#8
VT
5.0
(2)
"I’m all in on VT in my Roth IRA."
"VT and chill."
#9
Investment Fund
5.0
(2)
"Keep it simple. Complexity is not your friend."
"Invest in a fund that tracks the SP500. Just set it and forget it especially during market corrections until you retire."
#10
SCHD
4.5
(2)
"SCHD (1) per week for 40 years that’s my strategy"
"Buy a little of SCHD."
#11
Traditional IRA
4.0
(2)
"You can open a traditional IRA and immediately convert it to Roth via backdoor conversion."
"Try to roll them into your 401k account... set up a 'backdoor Roth'."
#12
Target Date Fund
3.5
(2)
"Going 100% into the target date fund that closest matches your expected retirement year is a good idea."
"Target date funds are a good starting point but not always the most optimal for growth."
#13
Fidelity Zero Large Cap Index Fund (FZLIX)
5.0
(1)
"I do FZLIX + FZROX + FXAIX in my Roth IRA."
#14
Fidelity Zero Total Market Index Fund (FZROX)
5.0
(1)
"FZLIX and FZROX expense ratio is Zero."
#15
Fidelity 500 Index Fund (FXAIX)
5.0
(1)
"I do FZLIX + FZROX + FXAIX in my Roth IRA."
#16
Morgan Stanley
5.0
(1)
"I use Morgan Stanley 🤓😁"
#17
Ally
5.0
(1)
"Ally. You can get HYSA and use their robo invest platform."
#18
Acorns
5.0
(1)
"I use Schwab and Acorns for my Roth."
#19
QQQ
5.0
(1)
"Unquestionably QQQ. Technology is going to continue to outperform"
#20
Bogleheads Single Fund Portfolio
5.0
(1)
"Single fund portfolios: https://www.reddit.com/r/Bogleheads/comments/tg1az5/should_i_invest_in_x_index_fund_a_simple_faq/"
#21
Fidelity, Schwab, Vanguard
5.0
(1)
"Pick any of the big firms (Fidelity, Schwab, Vanguard) and open an account, fund it to the annual max, invest the dollars in a low cost total US market or total world index."
#22
Fidelity FXAIX
5.0
(1)
"I'm an FXAIX fan myself. Super low cost s&p 500 index."
#23
Fidelity FZROX
5.0
(1)
"I'd just put everything into FZROX. That's their zero cost total market index fund."
#24
Invesco
5.0
(1)
"I invest in QQQ."
#25
Public.com
5.0
(1)
"I invest in HYS accounts and T-bills through Public.com."
#26
Dow
5.0
(1)
"DIA provides exposure to the Dow Jones Industrial Average."
#27
SWLGX
4.0
(1)
"What about adding SWLGX? There will be overlap but more large cap tech oriented."
#28
SWPPX
4.0
(1)
"SWPPX is fine for long term. SWTSX is good too - it’s been great for me."
#29
Webull
4.0
(1)
"I currently use Webull. I have a Roth IRA and normal brokerage account with them."
#30
M1
4.0
(1)
"M1 lets you buy fractional shares, index funds and crypto."
#31
Robinhood
4.0
(1)
"Robinhood gives you a 3% match which is $210 - $60 subscription fee = $150 for free every year."
#32
SWPXX
4.0
(1)
"I have SWPXX"
#33
FBTC
4.0
(1)
"FBTC, don’t sleep on it"
#34
Avantis
4.0
(1)
"AVUV"
#35
SPYG
4.0
(1)
"SPYG, VONG, VUG, etc etc."
#36
QQQY
4.0
(1)
"I like QQQY"
#37
Bank
4.0
(1)
"Start through a self directed account with your bank so you can have access to money markets like spaxx because you can park money in it and generate income while deciding on what to invest in next"
#38
SPDR S&P 500 ETF
4.0
(1)
"The 10% you’re hearing is probably related to a stock that is tracking the SP 500 like SPY."
#39
Dividend ETF
4.0
(1)
"Divb etf"
#40
Composer.trade
4.0
(1)
"Look into Composer.trade. If you're looking to automate your investing strategy."
#41
BRK-B
4.0
(1)
"BRK-B if you aren’t looking for an ETF (which you should be)"
#42
BlackRock
4.0
(1)
"ITOT and chill, because Blackrock is more fun to say than Vanguard or Schwab."
#43
VOO
3.0
(1)
"Sell VOO and buy FXAIX."
#44
Moderna
3.0
(1)
"MRNA!"
#45
Interactive Brokers
2.0
(1)
"Overly complicated for a basic Roth IRA. More geared towards professional traders."
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