Fidelity Investments - Retirement Plans, Investing, Brokerage, Wealth Management, Financial Planning and Advice, Online Trading.

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From complex wealth management to your retirement needs, we can help you with financial planning.

Straightforward pricing

With no account fees, $0 commission trades, and no minimums to open an account, we can help your money go further.

Robust investing tools

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Get your retirement score in 60 seconds

Knowing where you stand is crucial. Use this tool to see how prepared you are for retirement, and what steps you may need to work on.

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Get professional investment management with our low-cost robo advisor solutions, from digital-only investing to a hybrid robo service with access to advisors when needed.

Collaborate with a dedicated advisor who will work with you and for you, providing clear recommendations designed to help you grow and protect your wealth.*

Our straightforward and transparent offerings

	Fidelity	TD Ameritrade	Schwab	Vanguard
ZERO expense ratio index funds^#	Yes	No	No	No
Lowest published margin rates^‡	4.00%	7.50%	6.575%	4.75%
In-depth research from 20+ independent providers	Yes	No	No	No

	Fidelity	TD Ameritrade	Schwab	Merrill	Vanguard
See how you're tracking against your retirement goals with a tool that provides your retirement score in just 60 seconds	The Fidelity Retirement Score^SM		--	--	--
Manage entry and exit trading strategies using 10 pieces of information in 1 easy-to-use tool	Trade Armor^®	--	--	--	--
Access to an online service that guides you through the estate planning process and helps you identify an attorney	Fidelity Estate Planner^SM	--	--	--	--
Get a wide range of wealth planning & management services tailored to your individual goals

Rated #1
Overall Best Online Broker

2020

Rated #1
Overall Best Online Broker

2020

Best Online Broker

2020

Rated #1 for
Order Execution • Research

2020

Review Fidelity Brokerage Services with FINRA's BrokerCheck

Regulatory summary of Fidelity services (PDF)

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Other Fidelity Sites:

For Individuals

For Employers

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For Individuals

See the following Fidelity investment websites that offer information on workplace savings and charitable programs.

401(k) Participants & Employees of Corporations

403(b) & 457(b) Participants & Employees of Non-profits

Other Workplace Benefits (NetBenefits®)

Fidelity Charitable

Fidelity Spire

For Employers

See the following Fidelity investment websites that offer information for employers interested in workplace or institutional investing.

Workplace Investing

Fidelity Institutional

Fidelity Institutional Asset Management℠

Designated Brokerage Services

For Investment Professionals

See the following Fidelity investment websites that offer professionals investment‐related resources.

Fidelity Institutional Asset Management℠

RIAs, TPAs, Trust Institutions

$0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs), and options (+ $0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). There is an Options Regulatory Fee (from $0.03 to $0.05 per contract), which applies to both option buy and sell transactions. The fee is subject to change. Other exclusions and conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions^® are subject to different commission schedules.

International and Domestic Mail Delays. Due to the COVID-19 Pandemic, postal operators have temporarily suspended mail service to certain international jurisdictions. Fidelity mailings to customers living in these jurisdictions will be delayed. To help avoid potential mail delays, customers can consent to electronic delivery or access these documents onlineLog In Required. Click here for additional details. As of August 24, 2020, the United States Postal Service is unable to deliver mail to the following countries (PDF). A current listing of mail delivery suspensions to international jurisdictions is available .

Fidelity Spire app is free to download. Accounts made available via the app may be subject to fees.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request.

ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund.

4.00% rate available for debit balances over $1,000,000. Fidelity's current base margin rate, effective since 03/18/2020, is 7.075%.

Tax-smart investment techniques are applied in providing discretionary investment management of taxable accounts on a limited basis, at the discretion of the portfolio manager, primarily with respect to determining when assets in a client’s account should be bought or sold. Assets contributed may be sold for a taxable gain or loss. There are no guarantees as to the effectiveness of the tax-smart investment techniques in serving to reduce or minimize a client’s overall tax liabilities, or as to the tax results that may be generated by a given transaction. Investment minimums apply. Discretionary investment management services provided through Fidelity Personal and Workplace Advisors LLC, a registered investment adviser, for a fee.

Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to individual retail investors who purchase their shares through a Fidelity brokerage account.

Zero account minimums and Zero account fees apply to retail brokerage accounts only. Account minimums may apply to certain account types (e.g., managed accounts) and/or the purchase of some Fidelity mutual funds that have a minimum investment requirement. If you choose to invest in mutual funds, underlying fund expenses still apply. There may also be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e.g., managed accounts) Additionally, accounts that have been opened through, or are serviced by, an intermediary, or in connection with your workplace benefits, may incur additional fees or restrictions. See https://www.fidelity.com/commissions for more information and/or the fund’s prospectus for details.

Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.

IMPORTANT: The projections or other information generated by Fidelity Retirement Score regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.

* Fidelity^® Wealth Services is an investment advisory service that provides nondiscretionary financial planning and discretionary investment management for a fee. Minimum investment is $50,000 for access to a team of advisors and $250,000 for access to a dedicated advisor. See the Fidelity Wealth Services Program Fundamentals for program details or speak with a Fidelity advisor.

You may be eligible to earn additional Points on eligible Net Purchases, in addition to the Points you may earn in the Fidelity^® Rewards Visa Signature^® Card Program if you qualify and are registered into the Fidelity Rewards+ program. Earn up to 2% cash back on purchases when you use your Fidelity Rewards Visa Signature Card and earn up to an additional 1% as a participant in the Fidelity Rewards+ program. Eligibility and applicability of the additional Points are determined by Fidelity Brokerage Services, LLC. Fidelity Rewards Visa Signature Card Program, managed by Elan Financial Services, and Fidelity Rewards+, managed by Fidelity, are separate programs. Full details for the Fidelity Rewards+ program appear in the Fidelity Rewards+ Terms and Conditions and in the Program Rules for Fidelity Rewards Visa Signature Card Program.

Eligible assets include those invested through Fidelity^® Wealth Services, Fidelity^® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity^® Strategic Disciplines. While there are no program enrollment fees, eligible accounts are charged an advisory fee.

Fidelity Go^® and Fidelity^® Personalized Planning & Advice are advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Fidelity^® Wealth Services is an advisory service offered by FPWA or Fidelity Personal Trust Company, FSB (FPTC), a federal savings bank. Nondeposit investment products and trust services offered by FPTC and its affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal. 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, FPTC, FBS and NFS are Fidelity Investments companies. These advisory services are provided for a fee.

Program fees do not include the expenses of underlying mutual funds held in your account. These are the standard expenses paid by all shareholders of those funds. To the extent some of these underlying fund expenses will be paid to us, that amount will be credited against the gross program advisory fee.

Barron's, February 21, 2020 Online Broker Survey. Fidelity was ranked against nine other competitors in six major categories and 78 subcategories. Fidelity tied Interactive Brokers for #1 overall.

Investor's Business Daily^®, January 2020: Best Online Brokers Special Report. Fidelity was named Best Overall Online Broker, and also first in Equity Trading Tools, Research Tools, Low-Cost/ETF Trading, Investment Research, Mobile Trading Platforms/Apps, and Portfolio Analysis & Reports. Results based on having the highest Customer Experience Index within the categories composing the survey, as scored by 4,199 respondents. The survey was conducted by Investor's Business Daily's polling partner, TechnoMetrica Market Intelligence. © Investor's Business Daily, Inc. All rights reserved.

Kiplinger’s magazine, August 2020 Online Broker Survey. Fidelity was ranked No. 1 overall out of eleven online brokers. Results based on ratings in the following categories: Commissions and fees, Investment choices, Mobile app, Tools, Research, Advisory services and User experience. Also named Best for Investment choices, Tools and Advisory services in the 2020 survey.

StockBrokers.com 2020 Online Broker Review, January 21, 2020: Fidelity was ranked No. 1 for Order Execution and No. 1 for Research out of 15 online brokers evaluated in the StockBrokers.com 2020 Online Broker Review.

Before investing, consider the investment objectives, risks, charges, and expenses of the mutual fund, exchange-traded fund, 529 plan, Attainable Savings Plan, or annuity and its investment options. Contact Fidelity for a prospectus, offering circular, Fact Kit, disclosure document, or, if available, a summary prospectus containing this information. Read it carefully.

Effective August 25, 2020 due to delays of physical securities processing by DTCC, NFS is relying on exemptive relief granted by the Securities and Exchange Commission for the locate requirement of SEC Rule 203(b) and delivery requirement of SEC Rule 203(b)(2)(ii) for owned physical securities. Additionally, NFS is also relying on relief for the close out requirement of SEC Rule 204(a) and the penalty box provision of SEC Rule 204(b) for owned physical securities. For the complete notice issued by the SEC please visit https://www.sec.gov/rules/exorders/2020/34-89659.pdf

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

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Achieve more when you pay less

Why invest with Fidelity

Planning and advice

Straightforward pricing

Robust investing tools

Get your retirement score in 60 seconds

Investment advisory offerings to help fit your needs

Digital investing & advice

Wealth Management

Our straightforward and transparent offerings

Whatever you're investing for, we can help

Get insights from our experts

We're here to help—however and whenever you need it

For Individuals

For Employers

For Investment Professionals

	Merrill	Vanguard
Reps available 24/7	--	--
National branch network		--
Reimbursement for unauthorized activity

Achieve more when you pay less

Why invest with Fidelity

Planning and advice

Straightforward pricing

Robust investing tools

Get your retirement score in 60 seconds

Investment advisory offerings to help fit your needs

Digital investing & advice

Wealth Management

Our straightforward and transparent offerings

Whatever you're investing for, we can help

Get insights from our experts

Sign up for Fidelity Viewpoints®

We're here to help—however and whenever you need it

For Individuals

For Employers

For Investment Professionals

Retirement IRAs

Investing & Savings

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