IRA 1% Bonus


Fund your Composer IRA or transfer in assets to earn a 1% bonus (more details below).

If you fund your Composer IRA from a bank account or transfer assets from an external brokerage account, you’ll earn a 1% bonus.

Who is eligible?

You’re eligible for the bonus if you have an Individual (Taxable) account with Composer, open and fund a Roth or Traditional IRA with Composer, and have an active Composer Trading Pass.

How much can I earn?

You will receive a bonus of 1% of the funds you deposit into your Composer IRA from a bank account or the assets you transfer into your Composer IRA from an external brokerage. The bonus will be deposited into your Individual (Taxable) Composer account within 30 days of your transfer. There is no cap on this bonus.

Can I keep the bonus if I withdraw money from my Composer IRA?

The bonus is yours to keep as long as you’ve held the eligible funds you deposited into your Composer IRA for at least 1 year.

If you withdraw the funds from your IRA less than a year after making the transfer, the bonus will be revoked

What types of IRAs are available on Composer?

You can create a Traditional or Roth IRA in the Composer app. You can also rollover funds from 401(k) and 403(b) accounts with our external partner, Beagle.

How do transfers work, and what assets can I transfer into a Composer IRA?

We accept transfers between identical account types – from a Traditional IRA at an external brokerage to a Traditional IRA at Composer and from a Roth IRA at an external brokerage to a Roth IRA at Composer.

You can make a full or partial transfer from your existing brokerage account.

When making a transfer, you can transfer in any cash and whole shares of stocks and ETFs traded on the NYSE/NASDAQ. You can transfer the assets in-kind or liquidate them so they’ll enter your account as cash.

You cannot transfer mutual funds, CDs, options, or other alternative investments, so please be sure to liquidate these assets first incase you make a full transfer.

Who is the custodian of IRA accounts?

Apex is the custodian for your assets. Apex is a FINRA and SEC-regulated broker. SIPC coverage protects assets up to a total of $500,000, of which $250,000 applies for cash.


Please note the First-time deposit bonus and this IRA 1% Transfer bonus cannot be used together.


This bonus will expire June 15, 2024.

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