--- title: "Investment Account Profiles Hub" description: "Sourced profiles for every major U.S. investment account type: IRA, 401(k), Roth, HSA, 529, brokerage, ABLE and more. 2026 contribution limits." canonical: https://www.getswoopr.com/accounts/ source: "Swoopr Investment: https://www.getswoopr.com" --- ## Direct Answer Sourced profiles for every major U.S. investment account type: IRA, 401(k), Roth, HSA, 529, brokerage, ABLE and more. 2026 contribution limits. # Investment Account Profiles Sourced, fact-checked profiles for every major U.S. investment account type. Each profile explains the account's tax treatment, 2026 contribution limits, eligibility rules, withdrawal rules and key distinctions from similar accounts. Retirement-plan limits come from IRS Notice 2025-67, HSA limits from IRS Rev. Proc. 2025-19, and gift-tax-based limits from IRS Rev. Proc. 2025-32. These pages do not provide personalized investment advice. ## About This Section The `/accounts/` section contains entity-level profiles for U.S. investment and savings account types. Each profile is a canonical reference page, not a marketing document. Contribution limits, phaseout ranges and eligibility rules are sourced from the IRS and cited with an *as of* date. The education hub at [Investment Account Types](https://www.getswoopr.com/learn/taxes-and-rules/investment-account-types/) covers conceptual comparisons and decision frameworks. This section is distinct: it profiles specific account types with their current rules and limits. ## Retirement Accounts - [Traditional IRA](https://www.getswoopr.com/accounts/traditional-ira/), pre-tax contributions, tax-deferred growth; 2026 limit $7,500 ($8,600 age 50+); income-based deductibility for covered participants. - [Roth IRA](https://www.getswoopr.com/accounts/roth-ira/), after-tax contributions, tax-free qualified withdrawals; 2026 limit $7,500 ($8,600 age 50+); phaseout single $153,000-$168,000, MFJ $242,000-$252,000 MAGI. - [Traditional 401(k)](https://www.getswoopr.com/accounts/traditional-401k/), employer-sponsored pre-tax plan; 2026 elective deferral $24,500; catch-up $8,000 (age 50+), $11,250 (ages 60-63). - [Roth 401(k)](https://www.getswoopr.com/accounts/roth-401k/), designated Roth account inside a 401(k) plan; same deferral limits as traditional; no income limit; tax-free qualified withdrawals. - [403(b)](https://www.getswoopr.com/accounts/403b/), public school and nonprofit employer plan; same elective deferral limits as 401(k); 15-year service catch-up available at some employers. - [Governmental 457(b)](https://www.getswoopr.com/accounts/governmental-457b/), state/local government deferred compensation; $24,500 limit in 2026; unique double-limit catch-up in final 3 years before retirement. - [Thrift Savings Plan (TSP)](https://www.getswoopr.com/accounts/thrift-savings-plan-tsp/), federal civilian and military plan; same deferral limits as 401(k); traditional and Roth options; five investment funds. - [SEP IRA](https://www.getswoopr.com/accounts/sep-ira/), self-employed and small business plan; 2026 limit lesser of 25% compensation or $72,000; compensation cap $360,000. - [SIMPLE IRA](https://www.getswoopr.com/accounts/simple-ira/), employer plan for businesses with ≤100 employees; 2026 limit $17,000; catch-up $4,000 (age 50+), $5,250 (ages 60-63). - [Solo 401(k)](https://www.getswoopr.com/accounts/solo-401k/), self-employed plan with both employee and employer contributions; combined 2026 limit up to $72,000 ($80,000 age 50+). - [Inherited Traditional IRA](https://www.getswoopr.com/accounts/inherited-traditional-ira/), rules for beneficiaries; 10-year rule under SECURE 2.0 for non-spouse non-EDB beneficiaries. [All retirement account profiles](https://www.getswoopr.com/accounts/retirement/) ## Brokerage Accounts - [Taxable Brokerage Account](https://www.getswoopr.com/accounts/taxable-brokerage-account/), no contribution limit; dividends and realized gains taxed in the year earned; most flexible account type. - [Cash Brokerage Account](https://www.getswoopr.com/accounts/cash-brokerage-account/), trades settled with deposited cash only; no margin; lower risk than margin accounts. - [Margin Brokerage Account](https://www.getswoopr.com/accounts/margin-brokerage-account/), broker extends credit for purchases; Regulation T requires 50% initial margin; amplifies gains and losses. - [Joint Brokerage Account](https://www.getswoopr.com/accounts/joint-brokerage-account/), two or more owners; JTWROS vs. tenants in common; estate and gift tax considerations. - [Custodial Brokerage Account](https://www.getswoopr.com/accounts/custodial-brokerage-account/), adult manages assets for a minor; assets transfer to minor at age of majority; kiddie tax rules apply. [All brokerage account profiles](https://www.getswoopr.com/accounts/brokerage/) ## Health & HSA Accounts - [Health Savings Account (HSA)](https://www.getswoopr.com/accounts/health-savings-account-hsa/), triple tax advantage; 2026 limit $4,400 (self-only), $8,750 (family); requires HDHP; $1,000 age-55+ catch-up; funds roll over indefinitely. [All health account profiles](https://www.getswoopr.com/accounts/health/) ## Education & Minor Accounts - [529 Education Savings Plan](https://www.getswoopr.com/accounts/529-education-savings-plan/), state-sponsored; tax-free growth for qualified education expenses; 2026 K-12 tuition limit $20,000/year per beneficiary; no federal contribution limit. - [ABLE Account (529A)](https://www.getswoopr.com/accounts/able-account-529a/), tax-advantaged savings for individuals with disabilities; 2026 annual limit $19,000 (gift exclusion); employed beneficiaries who do not contribute to an employer retirement plan may add compensation up to the federal poverty line for a one-person household.. - [UTMA Account](https://www.getswoopr.com/accounts/utma-account/), Uniform Transfers to Minors Act custodial account; irrevocable gifts; assets transfer at state age of majority (18-25). - [UGMA Account](https://www.getswoopr.com/accounts/ugma-account/), Uniform Gifts to Minors Act; similar to UTMA but limited to financial assets; irrevocable; kiddie tax applies. - [Trump Account (Money Account for Growth and Advancement)](https://www.getswoopr.com/accounts/trump-account/), pilot program for children born 2025-2028; $5,000 annual cap; $1,000 one-time federal deposit; employer contributions up to $2,500/year. [All education and minor account profiles](https://www.getswoopr.com/accounts/education-minors/) ## Cash Accounts - [High-Yield Savings Account (HYSA)](https://www.getswoopr.com/accounts/high-yield-savings-account/), FDIC-insured deposit account; APY typically 4-5% in current environment; six-transfer limit repealed in 2020 but some banks still apply it. [All cash account profiles](https://www.getswoopr.com/accounts/cash/) ## Trust, Estate & Charitable Accounts - Profiles covering trust accounts, donor-advised funds, and estate planning vehicles. [See all trust, estate and charitable account profiles.](https://www.getswoopr.com/accounts/trust-estate-charitable/) ## Related Resources - [Investment Account Types Overview](https://www.getswoopr.com/learn/taxes-and-rules/investment-account-types/), conceptual comparison of tax-advantaged vs. taxable accounts. - [Roth vs. Traditional Calculator](https://www.getswoopr.com/tools/roth-vs-traditional-calculator/), model after-tax outcomes under different income and tax-rate assumptions. - [RMD Estimator](https://www.getswoopr.com/tools/rmd-estimator/), estimate required minimum distributions for traditional IRA and 401(k) accounts. - [U.S. Rule & Limit Tracker](https://www.getswoopr.com/tools/us-investment-rule-and-limit-tracker/), searchable registry of current contribution limits, income thresholds and regulatory rules. - [Retirement Investing Hub](https://www.getswoopr.com/retirement-investing/), strategy and planning guides for retirement accounts. - [Estate Planning for Investors](https://www.getswoopr.com/estate-planning/), beneficiary designations, inherited account rules, trust basics. ## References - [IRS: IRA Contribution Limits](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits) - [IRS: 401(k) Limit Increases to $24,500 for 2026, IRA Limit Increases to $7,500 (Notice 2025-67)](https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500) **[Swoopr Editorial Team](https://www.getswoopr.com/authors/swoopr-editorial-team/)** The Swoopr Editorial Team produces sourced investment education content for independent investors. All account profiles cite IRS primary sources with verification dates. See our [editorial policy](https://www.getswoopr.com/legal/editorial-policy/) and [corrections policy](https://www.getswoopr.com/legal/corrections-policy/).