Roth IRA

With a Roth IRA, you make contributions with money on which you've already paid taxes. Your money can then potentially grow tax-free, with tax-free withdrawals in retirement, provided that certain conditions are met.1

Account benefits

  • Potential tax-free growth for after-tax contributions, with tax-free withdrawals in retirement
  • No required minimum distributions in retirement during the lifetime of the original owner
  • There is no minimum to open the account
  • Many easy ways to make contributions to your account, including transferring funds from a bank or other financial firm, direct deposit, check, or mobile check scan using your iPad®, iPhone®, or Android™ device

Why Fidelity

  • Only $4.95 for online U.S. equity trades2
  • A wide range of Fidelity and non-Fidelity funds, as well as stocks, bonds, ETFs, and CDs—plus help choosing them
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • Knowledgeable representatives to help you create and maintain your plan

What you should know

  • $5,500 maximum contribution for 2016 and 2017 ($6,500 if you’re 50 or older)
  • Designed for investors 18 and older who meet the Roth IRA income limits:
    • 2016 income limit for single filers of $117,000 ($132,000 for a partial contribution); for joint filers, $184,000 ($194,000 for a partial contribution)
    • 2017 income limit for single filers of $118,000 ($133,000 for a partial contribution); for joint filers, $186,000 ($196,000 for a partial contribution)
Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.
1. A distribution from a Roth IRA is tax-free and penalty-free provided that the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, death, disability, qualified first time home purchase.

$4.95 commission applies to online U.S. equity trades 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). Other conditions may apply. See for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are subject to different commission schedules.

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