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It is really easy to open an account at Scottrade and it can be set up in minutes. The initial deposit is $2,500 for a non-IRA account and $0 for an IRA, and investors can begin trading as soon as the balance is shown in their account. There are no account maintenance fees or hidden fees of any kind.he initial deposit is $2,500 for a non-IRA account and $0 for an IRA, and investors can begin trading as soon as the balance is shown in their account. There are no account maintenance fees or hidden fees of any kind.
Choose 5-year rule or stretch IRA. The money in an inherited IRA must be taken out eventually, except in some cases when the beneficiary is the widow or widower of the deceased. Nonspouse beneficiaries have two options for liquidating the account: 1  They can choose to take distributions over their life expectancy, known as the stretch option, which leaves the funds in the IRA for as long as possible. 2  They must liquidate the account within five years of the original owner's death.