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Investing and trading
Our full-featured, low-cost brokerage account with online trading of stocks, exchange-traded funds (ETFs), mutual funds, bonds, and options, along with tools and research for investors. Offering more commission-free iShares® ETFs than any other major online brokerage firm—329 in all.1 In addition, purchase 13 Fidelity Factor ETFs, 11 Fidelity Sector ETFs and the Fidelity NASDAQ Composite Index Tracking Stock Fund (ONEQ) online commission free.2 Learn more
As a alternative to traditional checking, the Fidelity® Cash Management Account is a convenient way to save, spend, and manage your cash. With all ATM fees reimbursed nationwide4 and deposits eligible for FDIC insurance coverage,5 it has all the features you need from a checking account, without the bank. Learn more
With both the Fidelity Account® and the Fidelity® Cash Management Account, you enjoy all the benefits of our full-featured, low-cost brokerage account and our cash management account—with all ATM fees reimbursed4 and deposits eligible for FDIC insurance.5 Learn more
This low-cost brokerage account offers comprehensive trading, mutual fund, and cash management features, so that you can manage your business finances and meet all your business needs. Learn more
Saving for retirement
By consolidating your old 401(k) or IRAs into a Fidelity Rollover IRA, you can maintain the important tax advantages of your retirement savings and access a broad array of investments, exceptional service, and free investment guidance. Learn more
Your contributions may be tax-deductible and potential earnings grow tax-deferred until you withdraw them in retirement. This may be a good choice if you want to take advantage of tax savings now. Learn more
While contributions aren't tax-deductible, withdrawals—including any earnings—can be made tax-free as long as certain conditions are met. This may be a good choice if you are eligible to make Roth IRA contributions and think your tax rate will be higher in retirement. Learn more
A minor owns this account, while an adult manages it. As long as the minor has qualified earned income, post-tax contributions can be made to the account provided that annual limits are not exceeded. Withdrawals can be tax-free as long as certain conditions are met. Learn more
If you are inheriting a Traditional IRA, SIMPLE IRA, SEP IRA, or workplace retirement plan, you can generally move those assets into an Inherited IRA. While subject to minimum required distributions, this may be a good choice if you want to continue the tax-deferred growth potential of inherited retirement assets and avoid the impact of immediate income taxes. Online account opening is not available to entities (such as a charity or other organization), an estate, or a trust beneficiaries. Learn more
If you are inheriting a Roth IRA, you can generally move those assets into an Inherited Roth IRA. While subject to minimum required distributions, this may be a good choice if you want to continue the tax-advantaged growth potential in an Inherited Roth IRA and avoid the impact of immediate income taxes. Learn more
Set up a workplace savings plan if you are self-employed or own a small business. Learn more
Designed for self-employed individuals or business owners without employees. Learn more
This plan offers tax deferral plus pre-tax contributions for self-employed individuals and participants in small businesses with fewer than 100 employees. Learn more
An Investment-Only Plan is also known as the Fidelity Non-Prototype Account. This brokerage account is for small businesses that have qualified plans for which they would like to expand the investment options to include offerings from Fidelity. Learn more
Offer your employees a retirement plan with employee deferral contributions, employer contributions, and an array of features. Learn more
Our robo advisor is designed for investors seeking a simple, low-cost professional money management solution. Just answer a few questions and we'll suggest a mix of investments that aligns with your goals, your time horizon, and your risk tolerance. It only takes a few minutes to open and fund your account. After that, we'll handle all the investment decisions for you. Get started
Fidelity® Wealth Services offers a range of diversified managed portfolios containing mutual funds and potentially exchange-traded products that can be configured around your investment preferences, goals, or other investment needs. Preference options include tax-sensitive investment management,9 total return, a defensive investing approach, and a focus on income. Learn more
This separately managed account seeks to pursue the long-term growth potential of U.S. large-cap stocks and deliver enhanced after-tax returns through tax management.9 Learn more
This separately managed account seeks long-term growth of capital and dividend income greater than the S&P 500® Index, with the potential for less volatility than the U.S. stock market. Learn more
This separately managed account invests directly in a portfolio of investment-grade taxable bonds in an effort to generate interest income while seeking to limit the risk to the money you've invested. Learn more
This separately managed account invests directly in a portfolio of investment-grade municipal bonds in an effort to generate tax-exempt interest income while seeking to limit the risk to the money you've invested. Learn more
This separately managed account is composed of individual investment-grade municipal bonds, actively managed by investment professionals who will invest your assets with a focus on limiting risk to principal while seeking to generate federally tax-exempt interest income. Learn more
Saving for education
Any earnings grow federal income tax-deferred and contributions may be eligible for state tax deductions. Distributions for qualified higher education expenses are federal income tax-free. Learn more
Based on the Uniform Gifts/Transfers to Minors Acts, this brokerage account offers comprehensive trading, mutual fund, and cash management features, allowing you to invest on behalf of a minor. Learn more
Saving for medical expenses
If you have an HSA-eligible plan, an HSA will help you save money tax-free to pay for qualified medical expenses. Any money you don’t spend on qualified medical expenses can be saved year after year – you can even invest it until retirement. The account is always yours even if you switch health insurance. Learn more
Saving to Achieve a Better Life Experience (ABLE)
With an Attainable Savings PlanSM offered by MEFA and managed by Fidelity, we can help disabled individuals and their families invest and save for disability-related expenses. Learn more
Get an immediate tax deduction while supporting your favorite charities. Learn more
Invest and manage a brokerage account on behalf of an established trust. Learn more
Invest and manage a brokerage account on behalf of an estate. Learn more
This low-cost deferred variable annuity allows you to save more for retirement on a tax-deferred basis. Learn more
Deferred fixed annuities offer a guaranteed11 rate of return for a set period of time. Available through The Fidelity Insurance Network®. Learn more
Immediate fixed income annuities provide a guaranteed11 stream of income for the rest of your life or a set period of time. Available through The Fidelity Insurance Network®. Learn more
Deferred income annuities provide you, or you and your spouse, with guaranteed11 income for the rest of your life beginning on a future date. Available through The Fidelity Insurance Network®. Learn more
Universal life insurance is permanent life insurance coverage that helps you preserve your wealth and protect your family against loss in the event of your death. Learn more
Term Life Insurance from Fidelity is a low-cost solution that can help provide financial resources for your family in the event of your premature death. Learn more
Free commission offer applies to online purchases of Fidelity ETFs and select iShares ETFs in a Fidelity brokerage account. The sale of ETFs is subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal).
"Fidelity Managed Accounts" or "Fidelity managed accounts" refer to the discretionary investment management services provided through Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. These services are provided for a fee. 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, FPTC, FBS, and NFS are Fidelity Investments companies.
Portfolio Advisory Services accounts are discretionary investment management accounts offered through Fidelity® Wealth Services for a fee.
Tax-sensitive investment management techniques (including tax-loss harvesting) are applied on a limited basis, at the discretion of the portfolio manager, primarily with respect to determining when assets in a client’s account should be bought or sold. With this discretionary investment management service, any assets contributed to an investor’s account that the portfolio manager does not elect to retain may be sold at any time after contribution. An investor may have a gain or loss when assets are sold.
In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible.
Fidelity Personal and Workplace Advisors LLC (FPWA) has engaged Breckinridge Capital Advisors, Inc. to provide the day-to-day discretionary portfolio management of Breckinridge Intermediate Municipal Strategy accounts, including investment selection and trade execution, subject to FPWA’s oversight. Breckinridge is an independent registered investment adviser and is not affiliated with any Fidelity Investments company.
The Attainable Savings Plan is offered by the Massachusetts Educational Financing Authority and managed by Fidelity Investments. Qualified ABLE programs offered by other states may provide their residents or taxpayers with state tax benefits that are not available through the Attainable Savings Plan. If you are not a resident of Massachusetts, you should consider whether your home state offers its residents or taxpayers state tax advantages or benefits for investing in its qualified ABLE program before making an investment in the Attainable Savings Plan.
Units of the portfolios are municipal fund securities and are subject to market fluctuation and volatility. You may have a gain or loss when you sell your units.
For information regarding how Fidelity representatives are compensated, view Fidelity Representatives' Compensation Disclosure (PDF).
Before investing, consider the investment objectives, risks, charges, and expenses of the mutual fund, exchange-traded fund, 529 plan, Attainable Savings Plan, or annuity and its investment options. Contact Fidelity for a prospectus, offering circular, Fact Kit, disclosure document, or, if available, a summary prospectus containing this information. Read it carefully.