Grow Your Investment Potential

Choosing the right account is a crucial step.

There are many Janus account types to meet your investment needs. If you already have an account directly with Janus, you can add to your existing account, open a new account or transfer assets from other financial institutions at any time.

To invest directly at Janus, you must be an existing Janus investor, an immediate family member, or live in the same household as an investor who owns shares directly through Janus. If you're new to Janus and do not meet these requirements, you may purchase our funds through financial advisors, through third-party intermediaries or brokerage platforms.

Janus account types

Whether you're weaving in new family members to your financial plans, saving for your first home or stowing funds for retirement, Janus offers accounts for every phase of life. Start here to learn which account fits your needs and download an application today.

Retirement (Tax-Deferred Growth)

Traditional IRA Account

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 Account

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 than with a Traditional IRA.

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 no longer accepts salary reduction contributions, rollover contributions or transfers of assets into 403(b) plan accounts.

SEP-IRA Account

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

SARSEP-IRA Account

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.

Defined Contribution Plan Account

Defined Contribution Plans are employer-sponsored retirement plans. Employers can contribute based on a percentage of the employee's compensation.

Inherited IRA Account

An inherited IRA is an individual retirement account for beneficiaries of IRAs and other types of retirement plans. While beneficiaries are taking distributions, the account continues to grow tax-deferred until all assets have been distributed.

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 (UGMA/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 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 as a joint tenant with rights of survivorship. Growth, earnings and withdrawals are taxable during the year that they are received.

Trust / Estate

Establish a new trust or estate account at Janus. 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. This type of account is also available for incorporated or unincorporated religious organizations and non-profits.

Invest with Confidence

Your long-term goals benefit from forward thinking – and the knowledge you gain here can help give you the confidence you need to start investing. Learn where to begin, how mutual funds work and key components of a successful portfolio. Learn how with Investing Basics.