Interactive Brokers, Fidelity, Charles Schwab: These are just some of the brokers that let you set up your IRA as a margin account, rather than the more typical cash account. But margin accounts within an IRA are required to be “limited margin” accounts, because you’re not allowed to use IRA assets as collateral on a loan (doing so could bring unwanted attention from the IRS). A regular non-IRA margin account lets you borrow money to take bets on stock movements. Using margin adds risk but it also opens the door to bigger payoffs, since the money you’re borrowing increases the size of your investment. A margin account within an IRA is restricted. You can’t borrow money, but you can use funds that are as yet “unsettled” cash in your account (from selling an investment) to buy other investments. It’s only vaguely akin to borrowing money on margin, but it does let you trade more quickly, and avoid the few days’ delay you’d face waiting for cash to get into your settlement fund. Before you get too excited, keep in mind that limited margin IRA accounts often require a $25,000 minimum and may have other requirements set by the broker.