We support US retirement accounts, including both Traditional and Roth IRAs. Regulatory rules prohibit short positions and leverage in these accounts. All retirement enabled portfolios and baskets are strictly long-only with a 100% maximum exposure limit. During setup, you will also be required to complete a retirement-specific advisor agreement.
Strategy Selection
When selecting your Strategy, our platform automatically filters your Discover feed to display only retirement-eligible portfolios and baskets.
Exposure Maximum
To ensure smooth automation, we apply a 95% strategy exposure cap, leaving a 5% cash buffer to protect against trade disruptions.
Margin Requirement
Margin must be enabled on retirement accounts to eliminate multi-day settlement periods.
401(k) Support and Rollovers
Plutus cannot manage active 401(k) plans tied to a client's current employer. However, if you have a 401(k) from a previous employer or due to retirement, you can bring those funds onto Plutus by rolling them over into a supported retirement account.
Supported Account Types in IBKR
IRA-Traditional Rollover
IRA-Roth
SEP IRA
⚠️ Important Tax Disclaimer
Plutus (Namsoft Advisors LLC) does not offer tax advice or tax optimization. Rollovers can carry specific tax obligations or implications depending on your account structure. Please consult your broker, current plan administrator, or a qualified tax professional while completing this process.