Choose your investing account
With zero account fees or minimums to open an account,1 and zero commissions to trade US online stocks and ETFs,2 investing has never been easier.
Build and manage your own portfolio
Use free tools to help build your investing strategy
Access to fractional shares
Trade stocks, ETFs, mutual funds, CDs, IPOs, and precious metals
With zero account fees or minimums to open an account,1 and access to your contributions before retirement, there are zero reasons to wait.
Build and manage your own portfolio
Use free tools to help build your retirement investing strategy
Potential earnings grow tax-free
Access your contributions at any time
Let us do the work
Zero minimums to open an account and zero advisory fees under $25,000.3 We’ll handle the investing with your goals in mind.
Access professional money management
An investment strategy based on your goals
Monthly progress updates
Chart is a hypothetical comparison. Investing involves risk of loss and performance is not guaranteed.
How this chart works
The hypothetical chart above illustrates the potential growth of an investment account assuming a 7% annual nominal investment growth rate vs a .07% National savings account deposit rate as of May 16, 2022*. This chart assumes estimated/average return rates stay constant over the course of the time horizon and that no withdrawals were taken. Taxes, fees, and inflation are not included. Unlike traditional FDIC savings accounts, investments accounts are subject to market risk and do not carry FDIC insurance to protect from loss. Each type of account has its own unique set of potential benefits and limitations that you should consider before deciding what type is right for you.
Interact with the slider to increase or decrease the monthly contribution to discover how the money could grow in an investment account vs an FDIC savings account. The monthly contribution is how much you want to invest every month. In this chart it is set at $250, but you can move the slider from $0 to $1,000 to see how your contributions could grow over time. For example, a $250 monthly contribution in an investment account could grow to $304,993 in 30 years compared to $90,949 in a traditional savings account, using end of month compounding.
This example is for illustrative purposes only and does not represent the performance of any security. The assumed rate of return is not guaranteed. Investments that have potential for a 7% rate of return also come with risk of loss. Past performance does not guarantee future results.
* FDIC: National Rates and Rate Caps
What's the minimum initial investment to open a Fidelity Go® account?
There is no minimum initial investment to open a Fidelity Go account! Once your account hits $10 we'll start investing for you according to the investment strategy you've chosen. The minimum account balance to access financial coaching with our trained advisors is $25,000.
Can I choose the investments for my Fidelity Go® account?
You may not buy and sell individual investments in your Fidelity Go® account. By enrolling in a managed account service like Fidelity Go you turn the day-to-day management of your investments over to a team of investment professionals. However, you are entitled to place reasonable restrictions on the management of your account. If you prefer to choose your investments, you could open a brokerage account. Please contact us at 800-343-3548 for additional details.
Should I own a Roth IRA?
Generally speaking, most investors should consider having a Roth IRA as part of their overall retirement plan because it offers federal tax-free growth potential and withdrawals, which have the potential to help minimize taxes and maximize retirement savings.
How do I start investing?
It doesn't have to be overly complicated. Read this article on investing to learn more about starting as a beginner.
Investing involves risk, including risk of loss.
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.
$0.00 commission applies to online U.S. equity trades and exchange-traded funds (ETFs) 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 exclusions and conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Institutional® are subject to different commission schedules.
Fidelity Go® provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.
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).
Fidelity was named NerdWallet's 2022 winner for Best Online Broker for Beginning Investors, Best Online Broker for IRA Investing and Best App for Investing. Results based on evaluating 16 brokers per category. ©2017-2022 and TM, NerdWallet, Inc. All Rights Reserved.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917