Traditional IRA, Roth IRA, and SEP IRA — each with the same values-based screening, professional management, and stock-level transparency 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 one of our professionally managed portfolio strategies, with values-based screening applied at the individual stock level. You choose the portfolio that matches your convictions. We manage the construction, monitoring, and rebalancing.
The same institutional methodology behind $350M+ in managed assets — applied to your retirement savings.
* Monorail retirement accounts are available through our managed portfolio strategies (Inspire Portfolio or Patriot Portfolio). 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 becomes more important—not less. Monorail ensures that your portfolio remains 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 removes that assumption offering 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 732025 contribution limit: $7,000 ($8,000 if age 50+)
*Invested through: Inspire Portfolio or Patriot Portfolio (your choice)
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 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 are not tax-deductibleInvestment 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 eligibility2025 contribution limit: $7,000 ($8,000 if age 50+)
*Invested through: Inspire Portfolio or Patriot Portfolio (your choice)
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 expenseInvestment 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 (no employee contributions)
*Invested through: Inspire Portfolio or Patriot Portfolio (your choice)
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 values-based screening on every holding.
The Investment Analyzer shows how your current holdings align with your values — so you can see exactly what you own and what it supports.
Articles and guides on portfolio methodology, values-based screening, and long-term investing fundamentals.
Current market analysis, economic commentary, and long-term investment themes from the Monorail team.
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 managed portfolio strategies — either the Inspire Portfolio or the Patriot Portfolio. You choose the portfolio that aligns with your convictions, 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 — 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 new, self-directed Rollover IRA, allowing you to manage investments more effectively and avoid 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.
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