Read reviews and choose the best Roth IRA from top companies, including Vanguard, Ally, Wealthfront and more. Read reviews and choose the best Roth IRA from top companies, including Vanguard, Ally, Wealthfront and more. The Balance The 8 Best Roth IRAs of 2020. Best Rates: Ally. Merrill Edge Roth IRA: Best for researching. Similar to other Roth IRA accounts on the list, Merrill Edge offers free stock, bond and ETF trades. The company offers roughly 2,680 transaction-fee-free mutual funds, a smaller selection than TD Ameritrade’s Roth IRA plan. Roth IRA rules essentially allow you to withdraw contributions and grow earnings tax-free, whereas Traditional IRA rules allow you to write contributions off to reduce your taxable income. IRA rates vary based on the underlying investments, which in the case of an IRA CD is a certificate of deposit. Using the Rate Table