Investing for retirement

If you want to make your own investment decisions about your IRA, here are 3 simple steps to consider as you look to get started.

1. Select and fund your IRA

We offer retirement account options designed to help meet your needs. We can even help you roll money over from an existing workplace plan. For retirement accounts where you make all your own investment decisions, there are no account fees or minimums.1




Compare these options

Traditional IRA

Defer paying taxes now to potentially grow your savings faster.



Roth IRA

Enjoy tax-free growth potential and tax-free withdrawals.2



Rollover IRA

An option for consolidating any former workplace plans.3


2. Invest your money

When it comes to goals like retirement, don't underestimate the need for growth. If you're looking to help your savings last, chances are you'll need to grow your money. A mix of investments that aligns with your comfort with risk and your plan for retirement could provide that growth.


Investment strategies to consider

Fidelity Freedom® Funds

Single-fund strategy


Fidelity Freedom® Funds are single-fund investment strategies that can help take the guesswork out of building and maintaining a retirement portfolio based on the year you expect to retire. You can use our interactive tool to help choose a fund.

Learn more

Multi-fund strategy

Building your own portfolio


If you want to invest your retirement savings in a diversified portfolio of mutual funds, we can help. We can help you select a portfolio appropriate for your comfort level with risk, and then you'll be responsible for making sure that mix remains aligned to your goal.

Learn more

Starting to save at age 25 vs. age 35


The chart is designed to show the benefits of starting to invest early for retirement and of maximizing your IRA contributions. It represents a hypothetical example of 2 investors. One starts saving at age 25, and other starts at age 35. Both save $6,000 per year. Assuming a 6% rate of return, the investor who started at age 25 has $1,969,346 by 70, while the investor who started at age 35 accumulated $956,024 by age 35.

The benefits of starting early and contributing regularly


We understand that life gets busy. And sometimes things—even important things—fall by the wayside. When it comes to saving for retirement, that can cost you in the long term. That's why it's a good idea to set up automatic contributions.


This hypothetical example shows how consistent contributions to your retirement accounts, and investing those contributions, can be a smart way to keep your money working for you, which could increase your return potential and give you a better chance of reaching your goal.


See how we calculated this

Systematic investing does not ensure a profit and does not protect against loss in a declining market. This example is for illustrative purposes only and does not represent the performance of any security. The assumed rate of return used in this example is not guaranteed. Investments that have potential for a 7% annual rate of return also come with risk of loss.

Not sure about investing for retirement on your own?


We can work with you to create a plan, then professionally manage your investments for you.


See how we can work together

3. Build a free retirement plan around what matters to you4


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Once you open an account, you can use our digital planning tools to set goals, build a plan, track your progress, and get actionable next steps. And if you want to make changes you can do that at any time, with no obligations.



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Ready to start planning for retirement?

Traditional IRA


Defer paying taxes now to potentially grow your savings faster.

Roth IRA


Enjoy tax-free growth potential and tax-free withdrawals.2

Rollover IRA


An option for consolidating any former workplace plans.3

Get in touch

Contact us to get help