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Starter Pack (The Fidelity Account® + Fidelity® Cash Management Account)
Consolidate your finances with two accounts, one designed for everyday investing and one that helps with your cash management and spending needs.

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Prefer to open a single account?

The Fidelity Account®
Manage your financial needs with the Fidelity Account, a full-featured, low-cost brokerage account, designed to grow and adjust according to your needs as an investor.

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Fidelity® Cash Management Account
The account that helps meet your banking needs and more with no account fees or minimums to open an account, and competitive rates. It's never been easier to spend and save smarter.1

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Roth IRA
Great if you want access to your contributions without taxes or penalties before retirement. And you won't pay taxes when you withdraw your money in retirement.2

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Traditional IRA
Great if you want to reduce your taxable income by deducting your contributions.3 You won't pay taxes until you withdraw money in retirement.4

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1. The Fidelity Cash Management account is a brokerage account designed for investing, spending and cash management. Investing excludes options and margin trading. For a more traditional brokerage account, consider the Fidelity Account.
Fidelity is not a bank and brokerage accounts are not FDIC-insured, but uninvested cash balances are eligible for FDIC insurance.

A qualified distribution from a Roth IRA is tax-free and penalty-free. To be considered a qualified distribution, the 5-year aging requirement has to be satisfied and you must be age 59½ or older or meet one of several exemptions (disability, qualified first-time home purchase, or death among them).

3. For 2022 full deductibility of a contribution is available to active participants whose 2022 Modified Adjusted Gross Income (MAGI) is $109,000 or less (joint) and $68,000 or less (single); partial deductibility for MAGI up to $129,000 (joint) and $78,000 (single). In addition, full deductibility of a contribution is available for working or nonworking spouses of plan participants who are not themselves covered by an employer-sponsored plan whose MAGI is less than $204,000; and partial deductibility for MAGI up to $214,000. If neither you nor your spouse (if any) is a participant in a workplace plan, then your Traditional IRA contribution is always tax deductible, regardless of your income.

A distribution from a Traditional IRA is penalty-free provided certain conditions or circumstances are applicable: age 59 1/2; qualified first-time homebuyer, up to $10,000; birth or adoption expense (up to $5,000); qualified higher education expense; death or disability; health insurance premiums (if you are unemployed); some unreimbursed medical expenses; substantially equal periodic payments; or tax levy.

Investing involves risk, including risk of loss.

Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

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