Choosing investments for your IRA

Learn about options and strategies for investing that fit your life stage, personality, and goals for retirement.

Investing your IRA savings

You're saving in an IRA. Congrats! You've taken an important step on the road to a comfortable retirement. But for most people, that's not enough. The next step is investing your savings for long-term growth.

And starting in 2020, as long as you are still working, there is no age limit to be able to contribute to a Traditional IRA. The Secure Act, signed into law on December 20, 2019, removed the age limit in which an individual can contribute to an IRA. The top age prior to the law was 70½.

Are you tentative about investing in stocks? Remember, if you have a decade or more until retirement, you should be able to ride out market volatility, as long as you continue to save and invest. Indeed, market pullbacks, when prices are low, are often the best times to invest for long-term growth potential. So consider your time horizon and stomach for risk, and put your IRA dollars to work for your future.

Your IRA investment choices

IRAs allow you to choose from individual securities, such as stocks, bonds, certificates of deposit (CDs), exchange-traded funds (ETFs), or a "single-fund" option. But before you decide what investments to pick, you should consider how you want to manage them: You can lean on the help of a professional, or do the work yourself.

Simplified options

Not enough time, knowledge, or interest to build and manage an asset mix? Consider a professionally managed solution or single-fund strategy.

Investment advisory offerings
We offer a range of investment management options and experienced Fidelity advisors who can help you meet all your financial goals.

Single-fund strategy
Fidelity Freedom® Funds are single-fund investment strategies that can help take the guesswork out of building and maintaining an age-based retirement portfolio.

Choose and manage your own investments

Interested in choosing and managing your own investments? You can choose individual securities to build your own portfolio. Plus, Fidelity offers commission-free trades for online US stocks and ETFs* and when you open a new retail brokerage account.

Considerations to help you choose investments


What kind of investor are you?

There's no one right way to approach investing—only the right one for you. You may be a DIY investor or like working with a professional. And your preferences may change over time as you do. The key is to understand your own investing needs and goals so you can make the right choices and have more confidence about your financial future.

How much risk can you stomach?

Stocks, bonds, and cash come with different levels of risk and potential reward. Stocks, while the most volatile, have historically had higher potential for growth. So if you can hold an investment for a long time, you may benefit from the higher growth as you ride out market volatility. On the other hand, if you'll need the money in just a few years—or if the prospect of losing money makes you too nervous—consider a higher allocation to generally less volatile investments, such as bonds and short-term investments.

When do you need your money?

One of the keys to successful investing is learning how to balance your comfort level with risk against your time horizon. Invest your retirement nest egg too conservatively at a young age, and you run the risk that the growth rate of your investments won't keep pace with inflation. Conversely, if you invest too aggressively when you're older, you could leave your savings exposed to market volatility, which could erode the value of your assets at an age when you have fewer opportunities to recoup your losses.

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