Traditional, Roth, and SEP IRA options, each with the same biblical screening, professional management, and stock-level detail available across all Monorail managed portfolios.
Most retirement accounts default into broad market index funds, which means your long-term savings are invested in companies you've never evaluated, with no visibility into what you actually own. Monorail retirement accounts are different. Every IRA on Monorail is invested through our professionally managed portfolio, with biblical screening applied at the individual stock level. You choose the risk model that matches your goals, and we manage the construction, monitoring, and rebalancing. The same institutional methodology behind $350M+ in managed assets, applied to your retirement savings. Self-directed stock trading is not currently available within retirement accounts.
Retirement investing requires consistency and discipline over time. Monorail's approach is built for long-term investors, focused on steady growth, thoughtful allocation, and avoiding short-term decision-making.
As your retirement assets compound, alignment only grows in importance. Monorail keeps your portfolio consistent with your convictions across every stage of your financial journey.
Investors are often told that retirement portfolios must prioritize performance above all else. Monorail offers a strategy designed to pursue long-term growth while maintaining alignment.
Instead of relying on fund-level summaries, Monorail provides visibility into the individual companies within your portfolio. You always know where your money is invested.
Your retirement accounts are part of a broader financial picture. Monorail allows you to manage retirement investments alongside other portfolios while creating a unified, aligned strategy.
Monorail offers three IRA options, each with different tax treatment and eligibility requirements. All three are invested through Monorail's managed portfolio strategies with full stock-level transparency.
Contributions may be tax-deductible, and your investments grow tax-deferred until withdrawal. Designed for investors who want to reduce their taxable income today and pay taxes in retirement when their rate may be lower. Contributions may be tax-deductible depending on income and employer plan coverage. Investment growth is tax-deferred. Withdrawals are taxed as ordinary income in retirement. Required minimum distributions (RMDs) begin at age 73. 2025 contribution limit: $7,000 ($8,000 if age 50+).
*Invested through the Monorail managed portfolio, built on the Inspire methodology.
Contributions are made with after-tax dollars, and qualified withdrawals in retirement are tax-free. Designed for investors who expect to be in a higher tax bracket in retirement, or who want tax-free growth and no required minimum distributions. Contributions are not tax-deductible. Investment growth is tax-free. Qualified withdrawals in retirement are tax-free. No required minimum distributions during the account holder's lifetime. Income limits apply for eligibility. 2025 contribution limit: $7,000 ($8,000 if age 50+).
*Invested through the Monorail managed portfolio, built on the Inspire methodology.
A retirement account for self-employed individuals and small business owners. Allows significantly higher contribution limits than Traditional or Roth IRAs, with tax-deductible contributions and tax-deferred growth. Available to self-employed individuals and small business owners. Contributions are tax-deductible as a business expense. Investment growth is tax-deferred. Withdrawals are taxed as ordinary income in retirement. 2025 contribution limit: up to 25% of net self-employment income, maximum $69,000. Employer makes all contributions.
*Invested through the Monorail managed portfolio, built on the Inspire methodology.
If you have a retirement account from a previous employer or another institution, you can transfer it to Monorail without tax penalties. Your assets move securely, your retirement strategy stays intact, and you gain stock-level visibility into what your savings are invested in.
Monorail handles the rollover paperwork and guides you through each step.
Open a Traditional, Roth, or SEP IRA on Monorail and invest your retirement savings through a professionally managed portfolio with biblical screening on every holding.
Most platforms tell you the fund is clean. Monorail scores every company on both alignment and violations, and shows you the analysis behind each score.
Screening applies before you invest and for as long as you own it. Holdings are monitored continuously, so alignment is maintained rather than assumed.
The same infrastructure that manages institutional assets builds and manages your portfolio. We do the research and the rebalancing so you don't have to.
Get answers about how Monorail works and what sets us apart.
Monorail offers Traditional IRAs, Roth IRAs, and SEP IRAs. Each account type has different tax treatment, eligibility requirements, and contribution limits. See the comparison table above for a summary.
All Monorail retirement accounts are invested through our professionally managed portfolio, built on the Inspire methodology. You choose the risk model that aligns with your goals, and the investment team manages construction, monitoring, and rebalancing. Self-directed stock trading is not currently available within retirement accounts.
Anyone with earned income can open a Traditional or Roth IRA, though Roth IRAs have income eligibility limits. SEP IRAs are designed for self-employed individuals and small business owners. Eligibility varies by account type, so consult a tax professional if you're unsure which is right for you.
Contribution limits depend on your account type, age, and income. Traditional and Roth IRAs have a 2025 limit of $7,000 ($8,000 if age 50 or older). SEP IRAs allow up to $69,000 per year. Monorail displays your current limits within your account.
Yes, you can roll over a 401(k) to an IRA with Monorail. Monorail provides a streamlined, digital process to consolidate old 401(k) or 403(b) accounts into a Rollover IRA without taxes or penalties. Rollovers are typically completed within 5-10 business days.
See our pricing page for complete fee details. Monorail does not charge account maintenance fees or trading commissions on retirement accounts. All fees are disclosed before you fund your account.
Withdrawals before age 59½ may incur penalties and income taxes, with certain exceptions (such as first-time home purchases or qualified education expenses for Traditional IRAs). Roth IRA contributions can be withdrawn at any time without penalty. Monorail provides guidance on withdrawal rules within your account. Consult a tax professional for advice specific to your situation.
Visit our help center or contact our support team directly.