SEP IRA

With OptionsRoute™ IRA/SEP/401k accounts can be fully funded and ready for investing according to your instructions.

What is a SEP IRA Account?

A SEP IRA account allows an employer (typically a small business or self-employed individual) to make retirement plan contributions into a Traditional IRA account established in the employee's name, instead of to a pension fund in the company's name.

SEP-IRA account contributions are treated as part of a profit-sharing plan. For employees, the employer may contribute up to 25% of the employee's wages to the employee's SEP-IRA account. For example, if an employee earns $40,000 in wages, the employer could contribute up to $10,000 to the SEP-IRA account.

The total contribution to a SEP-IRA account should not exceed the lesser of 25% of income (20% for self-employed before self-employed tax deduction is included or $42,000 for 2005, $44,000 for 2006, $45,000 for 2007; $46,000 for 2008; $49,000 for 2009. For 2010 and 2011, the maximum SEP IRA contribution remains at $49,000 and the compensation used in the calculation is capped at $245,000 (e.g., an employer making a 10% contribution cannot contribute more than $24,500 for any employee). Contributions may be made to the plan up until the date that the employer's return is due for that year.

What investment products can be utilized in a SEP retirement account?

Stocks, ETFs, Options, Mutual Funds, and other investment products.

What are the benefits of a SEP account?

SEP account contributions are tax deductible(up to the limit in the tax code)
and your self-directed online account is always available. You can cancel instructions in your retirment account at any time.

Dollar Cost Averaging

Dollar-cost averaging and conditional strategies are utilized by investment professionals with the intention of creating balance, over time, for an investment portfolio. Dollar-cost averaging takes the form of investing equal monetary amounts regularly and periodically over specific time periods (such as $100 monthly) in a particular investment or portfolio. More shares are purchased when prices are low and fewer shares are purchased when prices are high. This strategy is used to lower the total average cost per share of the investment, giving the investor a lower overall cost for the shares purchased over time.

It's easy to get started

Once you have an idea of which retirement account works for you, open a brokerage account with us. Soon you will be on your way to self directed retirement planning and access the wide selection of investment choices available for your account.

 

How we help.

 

Individual Investors – OptionsRoute™ provides Cash/Margin, IRA'S, Trust, and other account types. Benefits include access to a wide selection of investing and trading products.

Corporate and Employee Accounts – OptionsRoute™ provides Corporate, LLC, 401k, IRA/SEP, 10b51 Plans, and Employee Stock Option Conversion accounts. Benefits include access to a large selection of investing and trading products.

Registered Investment Advisors - OptionsRoute™ offers custodial brokerage account services to RIA's. Benefits include a selection of account types, investing and trading products, and advanced technologies for account management.

Institutional Accounts – OptionsRoute™ offers a selection of account types, front end trading solutions, and market connectivity services through API connection.

Application Developers and Third Party Systems -  Our state of the art technology infrastructure is available to third party application developers. Creative companies can integrate third party applications with our data center and order management system.

For more information, please 

Contact Us


 

Type Per Transaction

Stocks/ETFs

$4.95 trade

Options $4.95 trade + as low as $.35 per contract
Platform Fee Included
Demo Account Free Trial Demo

Mutual Funds/Bonds

 $25 per transaction

Margin Rate

7.25%

ACH Funding  Free
Broker Assisted Trades  $39.95 per trade

 

*OptionsRoute® is a Division of ViewTrade Securities, Members FINRA and SIPCFINRA Brokercheck for Viewtrade Securities. As a member of the Securities Investor Protection Corporation (SIPC), funds are available to meet customer claims up to a ceiling of $500,000, including a maximum of $250,000 for cash claims. For additional information regarding SIPC coverage, including a brochure, please contact SIPC at (202) 371-8300 or visit www.sipc.org. Our Clearing firm has purchased an additional insurance policy through a group of London Underwriters (with Lloyd's of London Syndicates as the Lead Underwriter) to supplement SIPC protection. This additional insurance policy becomes available to customers in the event that SIPC limits are exhausted and provides protection for securities and cash up to an aggregate of $600 million. This is provided to pay amounts in addition to those returned in a SIPC liquidation. This additional insurance policy is limited to a combined return to any customer from a Trustee, SIPC and London Underwriters of $150 million, including cash of up to $2.15 million. Similar to SIPC protection, this additional insurance does not protect against a loss in the market value of securities.

 

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