자세한 조건
Contribute to or transfer/roll over into a Robinhood IRA — you earn a 1% match automatically, or 3% on contributions with a Robinhood Gold subscription
진행 가이드
- 01 Open a Robinhood traditional or Roth IRA in the app.
- 02 For the 3% contribution rate, subscribe to Robinhood Gold ($5/month) and plan to keep it at least a year; the 1% rate needs no subscription.
- 03 Fund the IRA — contribute up to the 2026 limit, and/or initiate an ACATS transfer or 401(k) rollover for the uncapped 1% transfer match.
- 04 Leave the matched funds in the IRA for at least five years so the match vests.
주의할 점
- ! The match is clawed back via an Early IRA Match Removal Fee if you withdraw the matched funds within five years; the extra 2% from Gold is reversed if you cancel Gold within a year.
- ! Gold costs $5/month ($50/year), which eats into a small contribution match.
- ! The match applies only to money you contribute or transfer in — it's not a flat bonus — and IRA contributions are capped by IRS limits.
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