# Swoopr Investment: Accounts
# Scoped content manifest for LLM agents and web crawlers.
# Generated: 2026-10-18
# 30 pages in this section.
# Root index: https://www.getswoopr.com/llms.txt

## Account Profiles

- [Investment Account Profiles Hub](https://www.getswoopr.com/accounts/) ([Markdown](https://www.getswoopr.com/accounts.md)): Sourced profiles for every major U.S. investment account type: IRA, 401(k), Roth, HSA, 529, brokerage, ABLE and more. 2026 contribution limits.
- [403(b) Plan Profile: 2026 Limits](https://www.getswoopr.com/accounts/403b/) ([Markdown](https://www.getswoopr.com/accounts/403b.md)): Sourced 403(b) profile: 2026 elective deferral $24,500; age 50+ catch-up $8,000; 15-year catch-up for long-service employees; eligible employers; 403(b).
- [529 Education Savings Plan Profile](https://www.getswoopr.com/accounts/529-education-savings-plan/) ([Markdown](https://www.getswoopr.com/accounts/529-education-savings-plan.md)): Sourced 529 plan profile: no federal contribution limit; 2026 K-12 annual limit $20,000 per beneficiary; gift tax annual exclusion $19,000.
- [ABLE Account (529A) Profile: 2026 Limits](https://www.getswoopr.com/accounts/able-account-529a/) ([Markdown](https://www.getswoopr.com/accounts/able-account-529a.md)): Sourced ABLE account (529A) profile: 2026 annual limit $19,000; ABLE-to-Work additional contributions for employed beneficiaries.
- [Brokerage Account Profiles](https://www.getswoopr.com/accounts/brokerage/) ([Markdown](https://www.getswoopr.com/accounts/brokerage.md)): Sourced profiles for taxable brokerage account types: cash accounts, margin accounts, joint accounts and custodial accounts.
- [Cash Brokerage Account Profile](https://www.getswoopr.com/accounts/cash-brokerage-account/) ([Markdown](https://www.getswoopr.com/accounts/cash-brokerage-account.md)): Sourced cash brokerage account profile: no borrowing; T+1 settlement; Reg T Regulation T rules; good-faith violation; freeride violation; SIPC coverage $500k.
- [Cash Account Profiles](https://www.getswoopr.com/accounts/cash/) ([Markdown](https://www.getswoopr.com/accounts/cash.md)): Sourced profile for the High-Yield Savings Account (HYSA): FDIC insurance, APY mechanics, 2026 rate environment & how cash accounts fit an investment portfolio.
- [Custodial Brokerage Account Profile](https://www.getswoopr.com/accounts/custodial-brokerage-account/) ([Markdown](https://www.getswoopr.com/accounts/custodial-brokerage-account.md)): Sourced custodial brokerage account profile: UGMA/UTMA for minors; irrevocable gift; custodian manages until majority age; kiddie tax rules.
- [Education & Minor Account Profiles](https://www.getswoopr.com/accounts/education-minors/) ([Markdown](https://www.getswoopr.com/accounts/education-minors.md)): Sourced profiles for education and minor-beneficiary accounts: 529 plans, ABLE accounts, UTMA, UGMA and Trump Accounts.
- [Governmental 457(b) Plan Profile](https://www.getswoopr.com/accounts/governmental-457b/) ([Markdown](https://www.getswoopr.com/accounts/governmental-457b.md)): Sourced governmental 457(b) profile: 2026 elective deferral $24,500; age 50+ catch-up $8,000; 3-year pre-retirement catch-up; no 10% early withdrawal penalty.
- [Health Savings Account (HSA) Profile](https://www.getswoopr.com/accounts/health-savings-account-hsa/) ([Markdown](https://www.getswoopr.com/accounts/health-savings-account-hsa.md)): Sourced HSA profile: 2026 contribution limit $4,400 self-only and $8,750 family; $1,000 age-55+ catch-up; HDHP requirements; triple tax advantage.
- [Health & HSA Account Profiles](https://www.getswoopr.com/accounts/health/) ([Markdown](https://www.getswoopr.com/accounts/health.md)): Sourced profile for the Health Savings Account (HSA): 2026 contribution limits $4,400 self-only and $8,750 family, HDHP requirements.
- [High-Yield Savings Account (HYSA) Profile: Rates, FDIC & Rules](https://www.getswoopr.com/accounts/high-yield-savings-account/) ([Markdown](https://www.getswoopr.com/accounts/high-yield-savings-account.md)): Sourced HYSA profile: no contribution limits; FDIC insured $250,000 per depositor per institution; interest taxed as ordinary income.
- [Inherited Traditional IRA Profile](https://www.getswoopr.com/accounts/inherited-traditional-ira/) ([Markdown](https://www.getswoopr.com/accounts/inherited-traditional-ira.md)): Sourced inherited traditional IRA profile: 10-year rule for non-spouse beneficiaries (SECURE Act); annual RMDs if decedent was past RBD.
- [Joint Brokerage Account Profile](https://www.getswoopr.com/accounts/joint-brokerage-account/) ([Markdown](https://www.getswoopr.com/accounts/joint-brokerage-account.md)): Sourced joint brokerage account profile: JTWROS vs tenants-in-common vs community property; SIPC coverage $500k; gift tax annual exclusion $19,000.
- [Margin Brokerage Account Profile: Reg T](https://www.getswoopr.com/accounts/margin-brokerage-account/) ([Markdown](https://www.getswoopr.com/accounts/margin-brokerage-account.md)): Sourced margin brokerage account profile: Regulation T 50% initial margin; FINRA 25% maintenance margin; margin call triggers; pattern day trader $25k minimum.
- [Retirement Account Profiles](https://www.getswoopr.com/accounts/retirement/) ([Markdown](https://www.getswoopr.com/accounts/retirement.md)): Sourced profiles for every major U.S. retirement account type: Traditional IRA, Roth IRA, 401(k), 403(b), 457(b), TSP, SEP IRA, SIMPLE IRA, Solo 401(k).
- [Roth 401(k) Profile: 2026 Limits](https://www.getswoopr.com/accounts/roth-401k/) ([Markdown](https://www.getswoopr.com/accounts/roth-401k.md)): Sourced Roth 401(k) profile: 2026 elective deferral $24,500; age 50+ catch-up $8,000; ages 60-63 catch-up $11,250; after-tax contributions; no income limit.
- [Roth IRA Profile: Rules, Limits](https://www.getswoopr.com/accounts/roth-ira/) ([Markdown](https://www.getswoopr.com/accounts/roth-ira.md)): Sourced Roth IRA profile: 2026 contribution limit $7,500 ($8,600 age 50+), income phaseout single $153k-$168k and MFJ $242k-$252k, qualified withdrawal rules.
- [SEP IRA Profile: Contribution Limits](https://www.getswoopr.com/accounts/sep-ira/) ([Markdown](https://www.getswoopr.com/accounts/sep-ira.md)): Sourced SEP IRA profile: 2026 limit lesser of 25% compensation or $72,000; compensation cap $360,000; employer-only contributions; no employee deferrals.
- [SIMPLE IRA Profile](https://www.getswoopr.com/accounts/simple-ira/) ([Markdown](https://www.getswoopr.com/accounts/simple-ira.md)): Sourced SIMPLE IRA profile: 2026 employee deferral $17,000; age 50+ catch-up $4,000; ages 60-63 catch-up $5,250; mandatory employer match.
- [Solo 401(k) Profile](https://www.getswoopr.com/accounts/solo-401k/) ([Markdown](https://www.getswoopr.com/accounts/solo-401k.md)): Sourced Solo 401(k) profile: 2026 employee deferral $24,500; employer profit-sharing up to 25% of net self-employment income; §415 limit $72,000.
- [Taxable Brokerage Account Profile: Rules](https://www.getswoopr.com/accounts/taxable-brokerage-account/) ([Markdown](https://www.getswoopr.com/accounts/taxable-brokerage-account.md)): Sourced taxable brokerage account profile: no contribution limits, no penalties on withdrawals, capital gains and dividend tax treatment, wash sale rule.
- [Thrift Savings Plan (TSP) Profile](https://www.getswoopr.com/accounts/thrift-savings-plan-tsp/) ([Markdown](https://www.getswoopr.com/accounts/thrift-savings-plan-tsp.md)): Sourced TSP profile: 2026 elective deferral $24,500; age 50+ catch-up $8,000; ages 60-63 catch-up $11,250; 5 core funds (G, F, C, S, I); FERS matching.
- [Traditional 401(k) Profile: Limits](https://www.getswoopr.com/accounts/traditional-401k/) ([Markdown](https://www.getswoopr.com/accounts/traditional-401k.md)): Sourced Traditional 401(k) profile: 2026 elective deferral limit $24,500; age 50+ catch-up $8,000; ages 60-63 catch-up $11,250; employer match, vesting.
- [Traditional IRA Profile: Rules, Limits](https://www.getswoopr.com/accounts/traditional-ira/) ([Markdown](https://www.getswoopr.com/accounts/traditional-ira.md)): Traditional IRA 2026 guide: $7,500 contribution limit ($8,600 age 50+), deduction phaseouts $81k-$91k single / $129k-$149k MFJ.
- [Trump Account (Money Account for Growth](https://www.getswoopr.com/accounts/trump-account/) ([Markdown](https://www.getswoopr.com/accounts/trump-account.md)): Sourced Trump Account (MAGA) profile: $5,000 annual cap; $1,000 one-time federal deposit for births 2025-2028; employer contributions up to $2,500/year.
- [Trust, Estate & Charitable Account Profiles](https://www.getswoopr.com/accounts/trust-estate-charitable/) ([Markdown](https://www.getswoopr.com/accounts/trust-estate-charitable.md)): Overview of trust, estate and charitable account types used in investment planning: revocable living trusts, irrevocable trusts.
- [UGMA Account Profile: Uniform Gifts](https://www.getswoopr.com/accounts/ugma-account/) ([Markdown](https://www.getswoopr.com/accounts/ugma-account.md)): Sourced UGMA account profile: irrevocable gift of securities/cash to minor; custodian manages until age 18-21; kiddie tax applies; UGMA vs UTMA differences.
- [UTMA Account Profile: Uniform Transfers](https://www.getswoopr.com/accounts/utma-account/) ([Markdown](https://www.getswoopr.com/accounts/utma-account.md)): Sourced UTMA account profile: irrevocable gift to minor; custodian manages until state majority age (18-25); kiddie tax rules; capital gains treatment.