United States — General / Flexible
These options are the “everyday” investing accounts—built for flexibility first. They’re commonly used for emergency funds, medium‑term goals, and long‑term investing outside retirement plans. You’ll generally get fewer tax advantages than IRAs/401(k)s, but more freedom to deposit, withdraw, and change strategies without plan-specific rules.
Taxable Brokerage Account
Standard investing account with no special tax shelter; typically the most flexible for deposits/withdrawals, but dividends and realized gains are taxable.
Learn more →Cash Management AccountBrokerage-style cash account that may earn interest and provide debit/ATM features; can be useful for idle cash and short-term parking.
Learn more →Educational only. Always confirm eligibility, limits, and tax treatment with IRS guidance or a qualified professional.