Explore Account Types

Existing investor

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Account Types

Let’s get started! Choosing the right account is a crucial step.

Retirement (tax-deferred growth)

Traditional IRA

Establish a Traditional Individual Retirement Account (IRA), which allows you to make investments that grow tax-deferred until you remove money from your account. Depending on your income, contributions to a Traditional IRA may be tax-deductible.

Roth IRA

Retirement assets grow tax-deferred and qualified withdrawals are tax-free in a Roth IRA. Some investors can receive greater tax savings and more distribution flexibility with a Roth IRA than with a Traditional IRA.

SEP-IRA

A SEP-IRA is designed for small business owners, self-employed individuals, and their employees where participants can invest for retirement on a tax-deferred basis.

403(b)(7) Account

A 403(b)(7) plan is a tax-deferred retirement plan often available to employees of public schools or non-profit organizations. Janus Henderson no longer accepts salary reduction contributions, rollover contributions or transfers of assets into 403(b) plan accounts.

SARSEP-IRA


A Salary Reduction SEP-IRA is a tax-deferred retirement plan provided by small businesses with fewer than 25 employees. Pre-tax contributions come from salary reductions and grow tax-deferred with investment earnings until distribution.

Children and education

Coverdell Education Savings Account

A Coverdell Education Savings Account is a custodial account in which the child owns the money and a parent or legal guardian manages the account. Earnings grow tax-deferred and are distributed tax-free when used to pay the child’s education expenses.

Custodial (UTMA) Account

A custodial account is a taxable account and funds invested are considered an irrevocable gift to a minor. An adult will manage the money, but the minor owns it. Withdrawals must be used for the benefit of the child, who takes control of the assets in adulthood.

Taxable (non-retirement)

Individual Account

Establish a regular account at Janus Henderson as an individual investor acting in your own capacity. Growth, earnings, and withdrawals are taxable during the year that they are received.

Joint Account

Establish a regular account at Janus Henderson as a joint tenant with rights of survivorship. Growth, earnings, and withdrawals are taxable during the year that they are received.

Trust / Estate Account

Establish a new trust or estate account at Janus Henderson. Trust accounts avoid the need for probating the account upon the death of the grantor and can convey tax benefits associated with the transfer of the property.

Business

Corporate Account

Establish a corporate, sole proprietor, investment club or association account at Janus Henderson. This type of account is also available for incorporated or unincorporated religious organizations and non-profits.

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