New Year's Retirement Account Bonus

From January 1, 2025 to February 15, 2025, we’re offering a 2% bonus for funding a Composer retirement account with $10,000 or more.

How it Works:

1. Open or fund a Composer retirement account between January 1 to February 15, 2025.
2. Fund your new or existing retirement account with $10,000 or more between January 1 to February 15, 2025. There are several ways to do so:
   1. Make a deposit(s) from your bank account
   2. Make full or partial account transfer(s) from another brokerage
   3. Rollover funds from an employer-sponsored retirement plan
3. Email us at help@composer.trade to claim your bonus.
4. Maintain your eligible funds, bonus, and trading pass for 24 months

Key Details

To be eligible, funds added to your retirement account must be:

• Deposited from your bank account and/or transferred from an external brokerage account and/or rolled over from an employer-sponsored retirement plan.
• Initiated between 12 AM ET on January 1, 2025 and 11:59 PM ET on February 15, 2025.
• Aggregate a total of $10,000 or more. Contact us if you plan on transferring more than $5 million.*

The bonus will be applied to your Composer taxable account within 2 weeks of the promotion expiring.

Important: Terms of Bonus

• You must email us at help@composer.trade to claim the bonus.
• You must maintain your eligible funds in your Composer retirement account and bonus in your Composer taxable account for 24 months. Early withdrawals that drop your accounts below these amounts will result in the bonus being revoked.
• You must maintain your Composer Trading Pass for 24 months. Early cancelations will result in the bonus being revoked.

Frequently Asked Questions:

Who is eligible for this bonus?

Users who open or have an existing Composer retirement account between January 1, 2025 and February 15, 2025 are eligible for this bonus.

How can I open a Composer retirement account?

See this article for step-by-step instructions on how to open a Composer retirement account.

If I transfer from an another brokerage, will the bonus be applied to cash and securities?

Yes, cash and securities are both eligible for the bonus. For securities, bonuses will be based on the price of the securities on the day of settlement.

Are there tax implications?

The bonus may be considered taxable income. Please consult with a tax professional regarding the tax implications of this bonus.

Can I keep the bonus if I withdraw money from my Composer account(s)?

The bonus is yours to keep as long as you’ve held the eligible funds in your Composer retirement account and the bonus in your Composer taxable account for at least 24 months. The bonus will be revoked if you withdraw the eligible funds from your Composer retirement account less than 24 months after funding.

How do I make a partial or full account transfer from another brokerage?

To initiate a full or partial transfer directly in your account on the web:

1. Go to your Profile in the top right
2. Select Accounts & Funding
3. Under Manage Accounts, select the arrow next to your IRA and then select Transfer your Brokerage Account

Need help? Contact us at help@composer.trade. You can also rollover funds from 401(k) and 403(b) accounts with our external partner, Beagle - find the instructions to do so here.

NOTE

When you make a transfer from another brokerage to Composer, the brokerage may charge a transfer fee. If the value of your transfer exceeds $3,000, Composer will issue a credit to reimburse you up to $125 of the transfer fee. Please contact us at help@composer.trade to request reimbursement.

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

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

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

Who is the custodian of IRA accounts?

Apex is the custodian of your assets. Apex is a member of FINRA and an SEC-registered broker-dealer.

Do my accounts have SIPC coverage?

Composer Securities is a member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org. SIPC does not protect against market losses.

*Note: Composer reserves the right to modify or discontinue this program at any time, but we'll always keep you informed about changes to your bonus eligibility. Amounts over $5 million may be subject to additional terms and conditions. Please contact our team directly for more information.

For any questions or clarifications about this offer, please contact us at help@composer.trade.