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Custodial IRAs
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.
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Dodge & Cox Funds
P.O. Box 219502
Kansas City, MO 64121-9502
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Dodge & Cox Funds
801 Pennsylvania Ave
Suite 219502
Kansas City, MO 64105-1307
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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.