Ways to invest with us
Whether you're managing the investing on your own, or want Fidelity to handle it for you, we offer a range of account options to choose from.
Do-it-yourself investing
| What's included | You choose your own investments, manage them yourself, and have access to online planning tools through our Planning & Guidance Center. If you have $250,000 or more invested at Fidelity, you may be eligible for dedicated support. |
| Investments | Fidelity offers a wide range of investment options, including stocks, bonds, and mutual funds. |
| Minimums | There is no minimum to open a retail brokerage account1 and invest on your own. |
| Fees | Fees will vary based on the investments you choose. Do-it-yourself investing strategies, which you can explore in our Planning & Guidance Center, include target date funds,2 target allocation funds, or model portfolios of funds with fees and expenses that range from 0.12%–0.75%, 0.53%–0.76%, and 0.32%–0.74%, respectively.3 |
We manage these accounts for you
| Fidelity Go® | Fidelity® Personalized Planning & Advice | |
| What's included | Digital investment management to help keep your investment strategy on track | Digital investment management, plus digitally led planning and access to financial advice during 1-on-1 calls with Fidelity advisors |
| Investments | We manage an account for you consisting of zero expense ratio Fidelity mutual funds | We manage an account for you consisting of zero expense ratio Fidelity mutual funds |
| Minimums | No minimum to open an account | $25,000 managed through Personalized Planning & Advice |
| Advisory fee | Under $10,000: $0
$10,000–$49,999: $3 per month $50,000 and above: 0.35% per year |
0.50% per year |
If you are looking for more comprehensive investment management solutions, consider a Portfolio Advisory Services Account (through Fidelity® Wealth Services) or a Separately Managed Account (through Fidelity® Strategic Disciplines). If you’re interested in working one-on-one with a Fidelity advisor, consider the support we can provide through Fidelity Wealth Management. Investment minimums apply.
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. 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.
2. Target date funds are an asset mix of stocks, bonds, and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.
3. Fund expense information is as of 8/20 and reflects the range of the Fidelity® Freedom Funds (target date), the Fidelity Asset Manager® Funds (target allocation), and asset-weighted net expense ratios for Fidelity fund only multiple-fund model portfolios. Please refer to the applicable fund prospectus for more information about fund fees.