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Different IRA Account Options

Commitment to Sustainable Investment Values

Green Century Funds can help you plan for retirement without compromising your values.

As one of the first families of environmentally responsible and diversified fossil fuel free mutual funds in the U.S., Green Century Funds has been a leader in sustainable investing for 35 years. The Green Century Funds do not invest in fossil fuels, nuclear weapons and energy, civilian firearms and military weapons, tobacco, and GMOs (genetically modified organisms). With Green Century, you can keep your money out of environmentally harmful industries and align your investments with your values.

Learn more about our sustainable investment strategy.

By choosing one of our environmentally IRA account options, you can invest for your retirement and know your investments are supporting the planet.

The fund emphasizes environmentally responsible investments, which may lead to performance differences and potential underperformance compared to non-sustainable funds. 

Open an IRA

Sustainable IRA Options

Individual Retirement Accounts, or IRAs, allow you to make investments to provide financial security when you retire. Green Century offers several different types of IRA accounts.
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Traditional IRA

A traditional IRA is a type of retirement account that can offer specific tax advantages when saving for retirement. Specifically, individuals not covered by a retirement plan at work and people covered by a retirement plan who meet certain IRS income guidelines may be able to deduct their contributions from their taxable income each year. This means that when you retire, distributions from your IRA are generally taxed as ordinary income.

For 2026, you may contribute up to $7,500 into a Green Century Funds Traditional IRA.

If you are 50 years old or older, the contribution limit is $8,600 for 2026.

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Roth IRA

Roth IRAs differ from Traditional IRAs. With a Roth IRA, you cannot deduct your current year contributions from your taxable income. However, upon retirement, distributions from your Roth IRA are generally not taxed as ordinary income. Learn the difference between a Traditional and a Roth IRA and what funds are best to invest with each.

For 2026, you may contribute up to $7,500 into a Green Century Funds Roth IRA.

If you are 50 years old or older, the contribution limit is $8,600 for 2026.

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IRA Transfers and 401(k) Rollovers*

If you have an IRA account at another financial institution that you would like to transfer to the Green Century Funds or if you have a 401(k) account with a past employer that you would like to rollover into a Green Century Funds IRA, please do one of the following:

Request IRA forms to be mailed to you.
Download IRA Registration and Transfer forms (PDF).

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SEP IRA Account

A Simplified Employee Pension (SEP) plan allows self-employed people and small business owners to establish SEP-IRAs for the business owner and any eligible employees.

SEP-IRAs have specific eligibility rules and contribution limits (as described on IRS Form 5305-SEP). Otherwise SEP-IRAs follow the same rules as Traditional IRAs.

If you are interested in opening a Green Century Funds SEP-IRA Account, you will also need to complete IRS Form 5305-SEP.

 

The deadline for making a 2026 IRA contribution is April 15, 2027

Specifics About Green Century’s IRA Accounts

Green Century Funds charges a $15 annual maintenance fee for an IRA. The $15 fee is charged per type of IRA (e.g., Roth, Traditional, SEP, etc.). If you have one type of IRA account invested in each Fund, there is only one $15 fee.

The IRS tax rules for IRAs are complicated. While we hope this summary of key characteristics is helpful, you may also want to refer to Green Century’s IRA Disclosure Statement (PDF) for more information and determine if a Green Century Fund IRA is right for you.

Open an IRA

IRA Frequently Asked Questions

Yes. You can open a Roth IRA (or a Traditional or SEP IRA) in any of our three fossil fuel-free mutual funds: the Green Century Balanced Fund, the Green Century Equity Fund, and the Green Century MSCI International Index Fund. None of the Funds invest in fossil fuels, nuclear weapons and energy, civilian firearms and military weapons, tobacco, or GMOs.

Your Green Century IRA holds shares of one or more Green Century Funds. The Equity Fund and the MSCI International Index Fund invest in stocks, and the Balanced Fund invests in stocks and bonds. You can open an IRA in each Fund’s Individual Investor Share Class with a $1,000 minimum initial investment per Fund. The Institutional Share Classes require a $250,000 minimum initial investment per Fund.

Yes. You can roll over a 401(k) from a past employer, or transfer an IRA from another financial institution, into a Green Century Funds IRA. Mail us a completed IRA Transfer Request Form along with an IRA Account Registration Form, and we’ll contact your current custodian to transfer the money. Please check with your current custodian about whether it requires a Medallion Signature Guarantee on the transfer form.

Yes. Self-employed people and small business owners can open a SEP IRA for themselves and any eligible employees. SEP IRAs have their own eligibility rules and contribution limits (described on IRS Form 5305-SEP) and otherwise follow the same rules as Traditional IRAs. To open a Green Century Funds SEP IRA, you’ll also need to complete IRS Form 5305-SEP.Yes. Self-employed people and small business owners can open a SEP IRA for themselves and any eligible employees. SEP IRAs have their own eligibility rules and contribution limits (described on IRS Form 5305-SEP) and otherwise follow the same rules as Traditional IRAs. To open a Green Century Funds SEP IRA, you’ll also need to complete IRS Form 5305-SEP.

We charge a $15 annual fee for each type of IRA you hold (Roth, Traditional, or SEP). If you have a single IRA invested in all three Funds, you pay a single $15 fee. All Green Century Funds are no-load, so there’s no sales charge when buying or selling shares. Each Fund has its own expense ratio, and a 2.00% redemption fee applies to shares redeemed within 60 days of purchase. You’ll find full details in the current prospectus.

Please call 1-800-934-7336 or consult a tax professional if you have any additional questions regarding IRA accounts.