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Trade Options and Futures in a Retirement Account
Trade Futures in an IRA  E-mail

Trading Futures and Options in Retirment AccountsWhy Trade Commodities in an Individual Retirement Account

While we would never advocate a large percentage allocation of your retirement funds to commodity trading  via self-directed, full-service or even managed futures accounts; there are definite benefits to trading funds earmarked for commodities in a retirement account. 

The most prominent example being tax deferred or tax free growth depending on the type of qualified Independent Retirement Account (IRA).   In theory, trading accounts within the shelter of a tax friendly IRA have the potential to grow at much more rapid speeds relative to those in a non-qualified account (outside of the IRA umbrella). 

However, it is important to note that the advantages of an IRA enjoyed by profitable traders becomes a burden for those that are less fortunate in the markets.  Unlike losses in a non- qualified account, IRA losses are not tax deductible.  Additionally, there may be considerable fees associated with trading futures and options in an IRA which can exaggerate trading losses.  The custodian we work with offers extremely competitive custodian fees...please contact us for details.

Contact us at 1-866-790-TRADE (8723), info@decarleytrading.com

Which Brokerage Firms Allow Futures and Options Trading in an IRA?

DeCarley Trading offers traders the ability to speculate on commodity options and futures within a tax sheltered retirement account.  However, not all brokerage firms are capable or willing to enable such a trading arrangement.  For instance, due to risk management concerns, many of the popular discount brokerages or broker-dealers (those dealing with stock and futures clients) don't give clients the option to trade futures or options on futures within a retirement account.  Additionally, those discount firms that do accept IRA accounts might enforce stricter day-trading margins and or risk management techniques such as forced liquidation.

If you are interested in using IRA funding to speculate in commodities or the financial futures markets, contact DeCarley Trading today at info@decarleytrading.com or 1-866-790- TRADE (8723).    

Types of IRA's that can be Traded in Options and Futures

Traditional IRA - Annual contributions may be fully or partially deductible and earnings are tax-deferred; there are income restrictions.

Roth IRA - Annual contributions are not deductible, but withdrawals can be made at any age, tax-free of withdrawal. 

Rollover IRA - Allows retirement funds from another IRA or from an employer-sponsored plan such as a 401(k) to remain tax-deferred until the time of withdrawal.

SEP IRA - Small business retirement plan in which the business contributes the same percentage of compensation for all eligible employees.

SIMPLE IRA - Small business retirement plan in which employees are able to defer part of their salary on a tax-advantaged basis, as well as optional employer contributions.

How to Trade Commodities in an IRA

In order to allocate retirement funds to trading the options and futures markets it is required that you open an account with a custodian firm that allows self-directed retirement accounts to be distribute to the commodity markets.  There are only a handful of firms capable of such a service.

Once a self-directed IRA custodian is chosen, you must complete an application to open an account with your commodity broker of choice as well as an application with the custodian.    Upon completion of both applications, they should both be mailed to the custodian for processing. 

Here are a few custodians that we commonly do business with but you are free to shop around, as we are willing to work with any reputable firm.  In your search for a custodian, there are a few key concerns that you should focus on: the percentage of your funds that can be applied to your trading account and the fee structure.  Some firms limit the percentage of funds that can be forwarded to your futures trading account; clearly, if this is the case you would want to strongly reconsider using them as your custodian.  Likewise, you want a firm that is capable of offering competitive fees and efficient service. 


AdvantaIRA Trust, LLC


Eric DeCook | Associate
AdvantaIRA Trust, LLC
1520 Royal Palm Sq Blvd #320
Fort Myers, FL 33919
P: 239.333.4917
F: 239.466.5496

Sterling Trust Company

P.O. Box 2526
Waco Texas 76702-2526
1-800-955-3434 - Option 2


Millennium Trust Company

820 Jorie Blvd. Suite 420
Oak Brook IL 60523

Click Here to Begin a Retirement Account Application



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Full Service or Online?

The decision to trade online or through a full service broker will undoubtedly make a large impact on your bottom line.  However, the impact may or may not be what you had in mind.  If you aren’t ready to begin placing your orders online on your own, despite saving money on commission it may be the most costly mistake that you ever make.

While commission is baggage, a slightly higher rate it may be worth every penny assuming that your broker is truly giving you what you are paying for…reliable and efficient execution along with quality guidance in strategy and analysis.


Choosing a Commodity Broker

Most traders that are in the market for a broker are concerned primarily with trading platforms, commission and the quality of information provided such as newsletters.  However, if you are in the market for a full service broker, you need to take your research one step further.  Not only do you need to find a firm that is capable of meeting your logistic needs, but it is crucial that you choose an individual broker in which you can properly communicate, are comfortable with their experience and most of all trust to help you on your journey to being a successful trader. 



Choosing a Brokerage Firm

Deciding on a brokerage firm is a significant decision and shouldn’t be taken lightly.  Before committing to a firm it is imperative that you research their services, experience, trading platforms and commission structure but more importantly whether your trading style and personality will be compatible.   For example, a beginning trader shouldn’t look to a deep discount online brokerage firm simply because they likely won’t get the guidance that they will need as a novice.  Similarly, a seasoned trader wouldn’t want to choose a firm that focuses on high-end service with a hefty price tag. 



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It isn't free, but it's close...If having this book saves you 1 tick, you have almost recouped your investment.


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If you are going to trade currencies...You had better shorten the learning curve!


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Knowledge is the most valuable commodity. Don't sell yourself "short" when it comes to market education!


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There is a substantial risk of loss in trading futures and options. Past performance is not indicative of future results. The information and data contained on DeCarleyTrading.com was obtained from sources considered reliable. Their accuracy or completeness is not guaranteed. Information provided on this website is not to be deemed as an offer or solicitation with respect to the sale or purchase of any securities or commodities. Any decision to purchase or sell as a result of the opinions expressed on DeCarleyTrading.com will be the full responsibility of the person authorizing such transaction.