Investing isn't just about money – it's about your future
Let us help you create the future you want for yourself and your loved ones. Whether you’re new to investing or an experienced trader, we’re here to help you on your way.
Retirement & IRA
Let America's #1 IRA provider1 help your money go further.
Choose from over 10,000 funds, many with no transaction fee.
Online US equity trades are now just $4.95.
Get reimbursed for ATM fees with no minimum balance required.7
Whether you need to roll over an IRA, or open a Traditional or Roth IRA, our exceptional guidance and wide range of investment options can help you plan intelligently.
- One-on-one guidance in person, online, or over the phone
- Access to powerful tools and comprehensive research
- Great value, including no account fees, no minimums to open an account*, and great rates on cash
* There is no opening cost or annual fee for Fidelity's traditional, Roth, SEP, SIMPLE, and rollover IRAs. Fund investments held in your account may be subject to management and short-term trading fees, as described in the offering materials. For all securities, see Fidelity.com/commissions for trading commission and transaction fee details.
If you’re looking for a cost-efficient way to diversify with stocks, bonds, or short term investments, consider mutual funds. With our guidance, top fund picks, and comprehensive research, we can work together to help meet your investment goals.
- A wide range of Morningstar® 4- and 5-star funds2
- Free guidance and portfolio analysis
- No loads or transaction fees3
Consistently ranked among the best online brokers, our award winning4 brokerage account let's you invest in stocks, ETFs, options, mutual funds, bonds, CDs, and precious metals.
Put your cash to work with our alternative to a checking account. With all of your money in one place, it’s easier to save, spend, and manage your cash.
- No monthly fees, no minimum balance, and ATM fees are reimbursed7
- FDIC insurance eligibility8
- Scan and deposit checks with iPhone®, iPad®, or AndroidTM
Fund a Fidelity IRA or brokerage account and you'll get up to 500 commission-free trades and access to our Active Trader Pro PlatformSM.
Our low-cost robo advisor solutions can help you get invested and meet your goals, from digital-only investing to a hybrid robo service with access to advisors.
Work with a dedicated advisor for clear recommendations designed to help you grow and protect your wealth. Offered through Fidelity® Wealth Services.9
Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). Trades are limited to online domestic equities and options and must be used within two years. Options trades are limited to 20 contracts per trade. Offer valid for new and existing Fidelity customers opening or adding net new assets to an eligible Fidelity IRA or brokerage account. Accounts receiving $100,000 or more will receive 500 free trades. Account balance of $100,000 must be maintained for at least nine months; otherwise, normal commission schedule rates may be retroactively applied to any free trade executions. See Fidelity.com/ATP500free for further details.
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.
$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 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.
Please note that you will be charged an additional fee for any SMAs held in your account. These fees are in addition to the basic advisory fees for Fidelity® Wealth Services. Please refer to your Client Agreement for detailed fee information.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
Cerulli Associates’ The Cerulli Edge®—Retirement Edition, Q1 2019, based on an industry survey of firms reporting total IRA assets administered for Q4 2018.
Other fees and expenses applicable to continued investment are described in the fund’s current prospectus.
Barron's, March 26, 2018, March 20, 2017, and March 19, 2016 Online Broker Surveys. 2018: Fidelity was ranked against 18 others and earned the second highest overall score of 34.7 out of a possible 40. The firm was named best online broker for Long-Term Investing (shared with two others), Novice Investing (shared with 1 other), and Investor Education (shared with 2 others). 2017: Fidelity was evaluated against 15 others and earned the top overall score of 35.6 out of a possible 40. The firm was also named best online broker for Long-Term Investing (shared with 2 others), Best for Novices (shared with 1 other), and Best for Investor Education (shared with 2 others). Fidelity was also ranked 1st in the following categories: Trading Experience & Technology (shared with 2 others), Mobile (shared with 1 other), Research Amenities, and Portfolio Analysis and Reports (shared with 2 others). 2016: Fidelity was evaluated against 15 others and earned the top overall score of 34.9 out of a possible 40.0. Fidelity was also named Best Online Broker for Long-Term Investing (shared with one other), Best for Novices (shared with one other), and Best for In-Person Service (shared with four others), and was ranked first in the following categories: trading technology; range of offerings (tied with one other firm); and customer service, education, and security. Overall ranking for both years based on unweighted ratings in the following categories: trading experience & technology; usability; mobile; range of offerings; research amenities; portfolio analysis and reports; customer service, education, and security; and costs.
A Fidelity brokerage account is required for access to research reports.
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.
Your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Debit Card linked to your Fidelity Cash Management Account at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited from the account. Please note that there may be a foreign transaction fee of 1% that is not waived, which will be included in the amount charged to your account. The Fidelity® Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Fidelity Investments. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.
The Fidelity Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®.
The Cash Balance in the Fidelity Cash Management Account is swept to an FDIC-insured interest-bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance, subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information about FDIC insurance coverage, please visit FDIC.gov or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Disclosure Document for the Fidelity Cash Management Account, customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Visit Fidelity.com/FCMACoreBanks to see a list of eligible Program Banks and the FDIC Disclosure Document.
Diversification and asset allocation do not ensure a profit or guarantee against loss.