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Brokerage–The Fidelity Account

Invest on your own

This multi-feature trading and investing account allows you to select from a broad range of investment choices, including stocks, bonds, ETFs, options, and mutual funds.

  • No account minimum
  • No fees
  • An option for someone who wants to trade any amount—invest with as little as $1

Roth IRA

Potential tax-free growth and withdrawals*

Save for retirement with after-tax dollars and withdraw the money tax-free in retirement.

  • No account fees or minimums to open an account
  • Potential earnings grow tax-free
  • An option if you want flexibility to withdraw contributions at any time for any reason, tax-free and penalty-free

Rollover IRA

Simplify your retirement savings with your accounts in one place

Consolidate your old 401(k) and workplace accounts into a centralized account without taxes or penalties.

  • No account fees or minimums to open an account
  • Continue to save with a wide range of investment options
  • An option for someone who is changing or leaving a job or getting ready to retire

Traditional IRA

Tax-deferred investing for your retirement

Save for retirement and reduce your taxable income, if eligible, and your potential earnings could grow tax-deferred.

  • No account fees or minimums to open an account
  • Penalty-free withdrawals for certain expenses
  • An option if you want to take advantage of tax savings now

Fidelity Cash Management Account

Go beyond banking

This account offers you ways to spend, save, and invest, plus features of a traditional checking account.

  • No account fees or minimums
  • ATM fees, including global, reimbursed
  • Free debit card, check writing, bill pay, FDIC insurance on cash balance

Fidelity Go®

Invest with our help

Our robo advisor makes investing quick, simple, and affordable. We’ll handle the investing so you don't have to.

  • No minimum to open an account; $10 to start investing
  • $0 fee for under $25,000 and 0.35%/yr for $25,000+
  • An option for both new and experienced investors

Get started

All accounts

Brokerage–The Fidelity Account®

Invest on your own

This multi-feature trading and investing account allows you to select from a broad range of investment choices, including stocks, bonds, ETFs, options, and mutual funds.

  • No account minimum
  • No fees
  • An option for someone who wants to trade any amount—invest with as little as $1

Roth IRA

Potential tax-free growth and withdrawals*

Save for retirement with after-tax dollars and withdraw the money tax-free in retirement.

  • No account fees or minimums to open an account
  • Potential earnings grow tax-free
  • An option if you want flexibility to withdraw contributions at any time for any reason, tax-free and penalty-free

Fidelity Cash Management Account

Go beyond banking

This account offers you ways to spend, save, and invest, plus features of a traditional checking account.

  • No account fees or minimums
  • ATM fees, including global, reimbursed
  • Free debit card, check writing, bill pay, FDIC insurance on cash balance

Rollover IRA

Simplify your retirement savings with your accounts in one place

Consolidate your old 401(k) and workplace accounts into a centralized account without taxes or penalties.

  • No account fees or minimums to open an account
  • Continue to save with a wide range of investment options
  • An option for someone who is changing or leaving a job or getting ready to retire

Inherited IRA

Continue tax-advantaged growth

An account specifically designed for retirement plan beneficiaries—those who have inherited an IRA or workplace savings plan, such as a 401(k).

  • No account minimum
  • No account fees
  • An option to help continue the tax-deferred growth of an inherited retirement account

Traditional IRA

Tax-deferred investing for your retirement

Save for retirement and reduce your taxable income, if eligible, and your potential earnings could grow tax-deferred.

  • No account fees or minimums to open an account
  • Penalty-free withdrawals for certain expenses
  • An option if you want to take advantage of tax savings now

Fidelity HSA®

Invest your health savings

Investing your health savings account (HSA) for potential tax-free growth can help you save for qualified medical expenses.

  • No investment minimum
  • No fees, depending on investments
  • An option for short- and long-term growth

Custodial Account

Invest for a child’s future

This account is a way to save or give a financial gift to a child. Funds can be invested in a range of options—all to give a child a better future.

  • No accounts fee or minimums to open an account
  • No contribution limits or withdrawal penalties
  • An option for someone who wants to invest for a child while retaining control of the account until they reach adulthood

SEP IRA

Retirement savings for the self-employed

This account helps self-employed individuals and small-business owners get access to a tax-deferred benefit when saving for retirement.

  • No account minimum
  • No account fees
  • An option for someone who wants tax-deferred growth and flexible investment options

Fidelity Youth Account

Set your teen up for financial success

Teens 13 to 17 own and manage (with parental oversight) this account, where they can learn to save, spend, and invest in one secure place.

  • No account fees, minimums, or subscription fees
  • Teen-owned debit card with no ATM fees within the US
  • An option for teens who can learn to invest with as little as $1

Fidelity Go®

Invest with our help

Our robo advisor makes investing quick, simple, and affordable. We’ll handle the investing so you don't have to.

  • No minimum to open an account; $10 to start investing
  • $0 fee for under $25,000 and 0.35%/yr for $25,000+
  • An option for both new and experienced investors

Get started, Fidelity Go®

529 Account

Save for education with tax-deferred earnings

This account is flexible, tax-advantaged, and designed specifically for education savings. Funds can be used for qualified educational expenses at schools nationwide.

  • No account minimums and no annual fee
  • Save over time and earnings grow tax-deferred
  • An option for someone who wants to withdraw money tax-free to pay for qualified expenses

Trust Account

Control your assets and build a legacy

A trust can help you protect your legacy and provide you with greater control over how your wealth is distributed.

  • No investment minimum
  • No account fees
  • An option to secure what you leave behind, control your legacy, and minimize estate taxes

Roth IRA–Fidelity Go®

Tax-free growth potential and withdrawals with a robo advisor

An account that lets you grow your retirement savings with after-tax dollars and withdraw the money tax-free when you need it.

  • No minimum to open an account; $10 to start investing
  • $0 fee for under $25,000 and 0.35%/yr for $25,000+
  • An option for someone who wants flexibility and to limit their overall tax payment on investments

Get started, Roth IRA–Fidelity Go®

Roth IRA–Managed FidFolios℠

Professional managed portfolios with tax-free growth potential

An account that lets you grow your retirement savings with after-tax dollars and withdraw the money tax-free when you need it.

  • Investment minimum: $5,000
  • Advisory fee of 0.40% for index, 0.70% for actively managed
  • An option for someone who wants flexibility and to limit their overall tax payment on investments

Get started, Roth IRA–Managed FidFolios℠

Inherited Roth IRA

Continue tax-deferred Roth growth*

An account specifically designed for retirement plan beneficiaries—those who inherit a Roth IRA or workplace savings plan, such as a Roth 401(k).

  • No account minimum
  • No account fees
  • An option to help continue the tax-deferred growth of an inherited retirement account

Rollover IRA–Fidelity Go®

A robo-advisor option for your former workplace savings

We choose and manage your investments using your goals and risk tolerance in this digitally managed account.

  • No minimum to open an account; $10 to start investing
  • $0 fee for under $25,000 and 0.35%/yr for $25,000+
  • An option for someone who is changing or leaving a job and wants a robo advisor for their old 401(k)

Get started, Rollover IRA–Fidelity Go®

Rollover IRA–Managed FidFolios℠

A professionally managed option for your workplace savings

Our team chooses the stocks for your portfolio and then makes all the trades, keeping you informed along the way.

  • Investment minimum: $5,000
  • Advisory fee of 0.40% for index, 0.70% for actively managed
  • An option for someone who is changing or leaving a job and wants an advisor for their old 401(k)

Get started, Rollover IRA–Managed FidFolios℠

Traditional IRA–Managed FidFolios℠

Professionally managed stock portfolios for your retirement

Save for retirement and have your potential earnings grow tax-deferred in this account. You also may be able to deduct your contributions.

  • Investment minimum: $5,000
  • Advisory fee of 0.40% for index, 0.70% for actively managed
  • An option for someone seeking tax-deferred growth who wants a professionally managed stock portfolio

Get started, Traditional IRA–Managed FidFolios℠

Traditional IRA–Fidelity Go®

A robo advisor for your retirement

Save for retirement and let your potential earnings grow tax-deferred in this account. You also may be able to deduct your contributions.

  • No minimum to open an account, $10 to start investing
  • $0 fee for under $25,000 and 0.35%/yr for $25,000+
  • An option for someone seeking tax-deferred growth who wants to invest with a robo advisor

Get started, Traditional IRA–Fidelity Go®

Self-employed 401(k)

A retirement account for business owners

An account that caters to the needs of self-employed and owner-only businesses.

  • No investment minimum
  • No account fees
  • An option for someone who wants tax-deferred growth and flexible investment options

Get started, Self-employed 401(k)

SIMPLE IRA

Employer-friendly retirement plans

An account to help self-employed individuals and small-business owners with 100 or fewer employees offer tax-advantaged retirement plans.

  • No investment minimum
  • No account fees
  • An option for employers who want to offer retirement plans with flexibility on contributions.

Get started, SIMPLE IRA

Investment-Only Plans for Small Business

Expand your investment options

This brokerage account is designed for small businesses that have qualified plans and would like to include offerings from Fidelity.

  • No investment minimum
  • No account fees
  • An option for the self-employed or business owners who want to use Fidelity as an investment provider

Get started, Investment-Only Plans for Small Business

401(k) Plan for Small Businesses℠

A retirement option designed specifically for small businesses

This account has simple plan choices and fewer administrative burdens, helping to limit the time needed to focus on managing a 401(k).

  • One time activation fee, quarterly administrative fee
  • Tax credit eligibility
  • An option for business owners who want access to guidance, education, and administrative resources

Fidelity Crypto®–Offered by Fidelity Digital Assets℠

Start crypto. Get crypto.

Open a Fidelity Crypto® account to trade bitcoin and ethereum, and get education that makes sense of this new space.

  • Start trading crypto with just $1
  • Get crypto & stocks in the same app
  • Build knowledge with articles, podcasts, and more


Cryptocurrency risk disclosure (PDF)

The Fidelity Account® for Businesses

An account designed to fit your business

This low-cost account helps you manage your business finances with comprehensive trading, mutual fund, and cash management features.

  • No investment minimum
  • No fees
  • An option for legal or professional corporations and professional associations

Learn more, The Fidelity Account® for Businesses

Fidelity Bloom®

A more mindful way to save

This free app uses psychology to gently improve your financial habits. It comes with a debit card and 2 accounts: one for saving and one for everyday spending.

  • No account fees or minimums
  • Earn cash rewards, including a 10% annual match on up to $300 in deposits and a 10-cent reward when you use your Fidelity Bloom® debit card
  • Features to help financial novices begin their savings journey

Learn more, Fidelity Bloom®

Fidelity Managed FidFolios℠

Personalized, professionally managed stock portfolios

Choose from 6 investment strategies, customize it, and let our pros go to work for you. We'll look for tax savings to help you keep more of what you earn.

  • Investment minimum: $5,000
  • Advisory fee: 0.40% for index, 0.70% for actively managed
  • An option for harnessing the growth potential of stocks

Get started, Fidelity Managed FidFolios℠

Portfolio Advisory Services Accounts

Personalized investment management

Professionally managed, multi-asset class portfolios that can be configured around your comfort with risk, goals, and investment preferences.

  • Investment minimum: $50,000
  • Advisory fee: Ranges from 0.50% to 1.50% based on account balance
  • An option for clients looking for ways to grow and protect wealth

Learn more, Portfolio Advisory Services Accounts

Fidelity Separately Managed Accounts

Targeted stock and bond portfolios

Personalized, single-asset-class portfolios of individual securities that seek to meet specific objectives, such as dividend income or tax-free interest income.

  • Investment minimum: Varies by strategy
  • Advisory fee varies by strategy
  • An option for investors looking to complement your portfolio

Learn more, Fidelity Separately Managed Accounts

Roth IRA for Kids

Invest for your child’s future retirement*

This is a way to help your child start saving for retirement. It’s opened on behalf of a child who has earned income and it’s managed by an adult.

  • No account fees or minimums to open an account
  • Potential tax-free growth and withdrawals
  • An option for someone to save for a child with after-tax dollars, plus the flexibility to withdraw contributions at any time, tax-free and penalty-free

The Attainable Savings Plan®

Save money, keep your benefits

This account can help individuals with disabilities and their families save for their disability expenses while keeping benefits such as Supplemental Security Income and Medicaid.

  • No minimum, but maximum annual contributions apply
  • No account fees
  • An option for someone to save and pay for qualified disability expenses and then withdraw funds federal income tax-free

Fidelity Go® HSA

Invest your health savings with a robo advisor

We choose investments for your health savings account (HSA) and help generate tax-free growth as you save for qualified medical expenses.

  • No minimum to open an account; $10 to start investing
  • $0 fee for under $25,000 and 0.35%/yr for $25,000+
  • An option for someone who intends to invest for 3+ years

Get started, Fidelity Go® HSA

Fidelity Charitable® Giving Account®

Give more. Save more.

This account can help you maximize your impact in a tax-smart way when donating to your favorite charities.

  • No minimum to open or ongoing balance required, $50 grant minimum
  • Low fees
  • A flexible account for short- and long-term giving

Estate Account

Protect and manage a legacy with the right investments

With this account, you manage investments on behalf of an estate to help protect assets and make distributions.

  • No investment minimum
  • No account fees
  • An option to protect an estate and invest in stocks, bonds, mutual Funds, CDs, and more

Get started, Estate Account

Fidelity Personal Retirement Annuity®

Low-cost deferred variable annuity

This annuity is an option that allows you to increase your tax-deferred retirement savings beyond the contribution limits of an IRA or 401(k).

  • Investment minimum: $10,000
  • Annual annuity fees of 0.25% for less than $1 million and 0.10% for more than $1 million
  • An option for both new and experienced investors

Learn more, Fidelity Personal Retirement Annuity®

Deferred Income Annuities

Create income later in life

Deferred income annuities provide you, or you and your spouse, a guaranteed income for a set period of time or for the rest of your life (available through The Fidelity Insurance Network®).

  • Investment minimum: $10,000
  • Steady & secure payments regardless of market fluctuations
  • An option for someone who wants a predictable income stream starting 2+ years in the future

Learn more, Deferred Income Annuities

Deferred Fixed Annuities

Prepare for retirement with a fixed rate of return

Offer a guaranteed rate of return, with tax deferral, over a set time period (available through The Fidelity Insurance Network®).

  • Investment minimum: $5,000
  • Save for retirement, earn competitive interest rates
  • An option for investors who want a tax-deferred investment with a fixed rate of return

Learn more, Deferred Fixed Annuities

Immediate Fixed Income Annuities

Your retirement income can start now

Available through The Fidelity Insurance Network®, immediate fixed income annuities provide a guaranteed stream of income for the rest of your life or a set period of time.

  • Investment minimum: $10,000
  • Steady & secure payments regardless of market fluctuations
  • An option for investors who want a predictable income stream starting within 1 year

Learn more, Immediate Fixed Income Annuities

Universal Life

Permanent insurance to help preserve your wealth

Universal life insurance provides lifetime coverage and the ability to leave your loved ones with a lasting legacy, even after you’re gone.

  • Builds cash value over time
  • Guaranteed payout to your beneficiaries
  • Policy never expires

Get your quote, Universal Life

Term Life Insurance

Affordable life insurance to help you protect your loved ones

Term life insurance can provide loved ones financial protection to help maintain their lifestyle if you were no longer there.

  • Covers you for a specific period of time
  • Coverage options range from $250,000 to $10M
  • Affordable for many budgets, and beneficiaries receive the full value of the policy

Get your quote, Term Life Insurance

Fidelity Basket Portfolios

Be your own portfolio manager

You’re in control. Pick the stocks and ETFs on your own or get started investing with prebuilt models from the experts.

  • No minimums, invest as little as $1 per security
  • Enroll with a 30-day free trial, then $4.99/month
  • An option for self-directed investors looking for a faster, easier way to invest in multiple stocks and ETFs

Learn more, Fidelity Basket Portfolios

Resources

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