Retirement Accounts

Invest early.
Retire happy.

At Monorail, we're dedicated to empowering your retirement journey with a range of comprehensive account options.

Why choose monorail for retirement?

Monorail offers more than just retirement accounts; we provide peace of mind. With our user-friendly app, personalized investment strategies, and access to expert advice, you can make informed decisions and stay on track toward your retirement objectives.

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Explore the Different Types of IRAs

What is a Traditional IRA Account?

A Traditional IRA offers tax-deferred growth and potential tax deductions, making it a popular retirement savings option. This guide covers its eligibility...

What is a SEP IRA Account?

A SEP IRA is designed for small business owners and self-employed individuals, offering higher contribution limits and tax-deferred growth. This article...

What is a Roth IRA Account?

A Roth IRA is a retirement savings plan offering tax-free growth and withdrawals. This guide explains its key features, eligibility criteria, and benefits to help...

How do I decide which retirement account is best for me?

Choosing the right retirement account depends on various factors like contribution limits, tax implications, and investment options. This article helps...

Start planning your retirement today

Your retirement dreams deserve to become a reality. Take the first step towards securing your future by exploring Monorail's retirement account offerings.

Retirement account choices

Traditional IRA

Tax advantages and contributions for retirement savings

Roth IRA

Tax-free withdrawals and flexibility for retirement planning

SEP IRA

Ideal for self-employed and small business retirement planning

Your future starts here.

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$20 Referral Reward

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‍For a limited time, Monorail is offering a $20
reward when you refer a friend to the app.

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This referral reward is only available to new
customers who sign up for Monorail and enter the
referral code they have received from an active
Monorail user.

How to qualify

Sign up
Open a Monorail account
Deposit into that account
Friends must also sign up, open a Monorail account, and deposit into the account
Receive a $20 reward after referred friends received their signup bonus

How do I refer a friend?

In the menu / referrals section of the app there is a code that can be copied and sent to the referred person, a link that can be shared with a referred person, a share option that allows to share the link by standard phone sharing options.

What action does the referred friend have to do?

A referred person, when signing in has to enter the referral code received. For the referral to be
accepted and bonus to be sent to the referring
person, the referred user has to fulfill the conditions of the signup bonus program.

What reward will I receive?

Monorail will send you a $20 cash bonus for signing up and referring friends.

The funds deposited as bonus amounts can’t be
withdrawn from the app within 6 months from the
date of receiving the bonus. The funds can be invested into any product available in the Monorail app and can stay after this 6 month period.

For additional questions, please contact Customer Support at support@monorail.com

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$50 for $1,000 / Deposit More, Get More / 1% Sign-Up Bonus

Monorail is offering a sign-up bonus to new users:

$50* bonus to be paid for depositing $1,000 - $2,499
$100 bonus to be paid for depositing $2,500 - $4,999
$200 bonus to be paid for depositing $5,000 - $19,999
1% bonus to be paid for depositing $20,000+

To become eligible, customers must meet the following criteria:

Open a Monorail account.
Deposit at least $1,000 into your Monorail account and invest it into a Patriot Portfolio account within first 30 days of signing up. Any type of Patriot Portfolio account qualifies, including Investing and IRA Retirement accounts. Stock trading accounts do not qualify, and deposits to these accounts will not be counted in the bonus value calculation.
Keep at least the qualifying deposit amount in your Monorail account for 90 days.
Receive the reward amount based on the level of your deposit, defined in the promotion conditions herein.
The reward amount will be deposited in the portfolio's cash balance and can be withdrawn no sooner than 6 months. The reward amount can be invested in any product available in the Monorail app.

For additional questions, please contact Customer Support at support@monorail.com