Get started with some of our most popular accounts
Whether you want to invest on your own, or have us do the work, we have account choices for you. And we’ve got tools and resources to help along the way.
Manage your own investments (stocks, ETFs, mutual funds, CDs, and more), with help from our free resources.
With a Fidelity Roth IRA, you get the flexibility to save for retirement, while balancing your long-term goals with your short-term needs.
FDIC-insured savings account
Chart is a hypothetical comparison. Investing involves risk of loss and performance is not guaranteed.
The hypothetical chart above illustrates the potential growth of an investment account assuming a 7% annual nominal investment growth rate vs. a 0.47% National savings account deposit rate as of January 16, 2024.* This chart assumes estimated/average return rates stay constant over the course of the time horizon and that no withdrawals were taken. Taxes, fees, and inflation are not included. Unlike traditional FDIC savings accounts, investment accounts are subject to market risk and do not carry FDIC insurance to protect from loss. Each type of account has its own unique set of potential benefits and limitations that you should consider before deciding what type is right for you.
Interact with the slider to increase or decrease the monthly contribution to discover how the money could grow in an investment account vs. an FDIC savings account. The monthly contribution is how much you want to invest every month. In this chart it is set at $250, but you can move the slider from $1 to $1,000 to see how your contributions could grow over time. For example, a $250 monthly contribution in an investment account could grow to $304,993 in 30 years compared to $96,634 in a traditional savings account, using end of month compounding.
This example is for illustrative purposes only and does not represent the performance of any security. The assumed rate of return is not guaranteed. Investments that have potential for a 7% rate of return also come with risk of loss. Past performance does not guarantee future results.
* FDIC: National Rates and Rate Caps
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
For a distribution to be considered qualified, the 5-year aging requirement has to be satisfied, and you must be age 59½ or older or meet one of several exemptions (disability, qualified first-time home purchase, or death among them).
Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.
The Fidelity Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as a customer's main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®.
Fidelity Go® provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.
Fidelity was named NerdWallet's 2023 winner for Best Online Broker for Beginning Investors, Best Online Broker for IRA Investing and Best App for Investing. Results based on evaluating 17 brokers per category. ©2017-2023 and TM, NerdWallet, Inc. All Rights Reserved.
StockBrokers.com 2023 Online Broker Review, January 2023: Fidelity was ranked No. 1 overall out of 17 online brokers evaluated in the StockBrokers.com 2023 Online Broker Review.
Investopedia, February 2023: Fidelity was named Best Overall online broker, Best Broker for ETFs, and Best Broker for Low Costs, among 25 companies.
Investment advisory services provided through Fidelity Personal and Workplace Advisors LLC, a registered investment adviser, for a fee. Brokerage services provided through Fidelity Brokerage Services LLC, Member NYSE, SIPC. Both are Fidelity Investments companies.
The images, graphs, tools, and videos are for illustrative purposes only.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917