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Investing and trading
Brokerage Account – The Fidelity Account®
Our full-featured brokerage account has no account fees and no minimums.1 You can trade US stocks, exchange-traded funds (ETF's), and options online for $0 commissions.2 On top of that, access a range of investments including mutual funds, bonds, CDs, IPOs, and more. Use our online tools and research to help make your investing decisions. Learn more
The Fidelity Account® for Businesses
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
With a Fidelity CryptoSM account, you can securely buy and sell bitcoin and ethereum in the same app you use to trade stocks. You’ll use a separate eligible Fidelity brokerage account to fund your Fidelity Crypto℠ account. Learn more
Cryptocurrency risk disclosure
Spending and saving
Fidelity® Cash Management Account3
A brokerage account for individuals seeking FDIC insurance for their cash balances and an alternative to traditional checking, the Fidelity® Cash Management Account is a convenient way to save, spend, and manage your cash. With ATM fees reimbursed nationwide4 and deposits eligible for FDIC insurance coverage5, it has the features you need from a checking account, without the bank. 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
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
Inherited Roth IRA
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
Investment-Only Plans for Small Business
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
401(k) Plan for Small Businesses
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. Learn more
Fidelity Managed FidFoliosSM
These professionally managed, all-stock portfolios are designed for investors seeking a simple, low-cost investment solution. Choose from among the available strategies, then personalize your portfolio by requesting that we avoid specific stocks or entire industries7. For taxable accounts, we apply personalized tax-smart techniques8 designed to help you keep more of what you earn. Learn more
Portfolio Advisory Services Accounts
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,8 total return, a defensive investing approach, and a focus on income. Learn more
Fidelity® Tax-Managed U.S. Equity Index Strategy
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 smart investing techniques.8 Learn more
Fidelity® Equity-Income Strategy
This separately managed account seeks long-term growth of capital and dividend income greater than the S&P 500® Index,9 with the potential for less volatility than the U.S. stock market. Learn more
Fidelity® International Equity Strategy
This separately managed account seeks to deliver long-term growth of capital in an effort to provide returns greater than the MSCI EAFE Index9 (Net MA Tax) over a full market cycle. Learn more
Fidelity® Tax-Managed International Equity Index Strategy
This separately managed account seeks to pursue the long-term growth potential of international developed market stocks and to deliver enhanced after-tax returns.8 Learn more
Fidelity® U.S. Large Cap Equity Strategy
This separately managed account seeks to deliver long-term growth in an effort to provide returns greater than the S&P 500® Index9 over a full market cycle. Learn more
Fidelity® Core Bond Strategy
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
Fidelity® Intermediate Municipal Strategy
This separately managed account invests directly in a portfolio of investment-grade municipal bonds in an effort to generate federally tax-exempt interest income while seeking to limit the risk to the money you've invested. Learn more
Breckinridge Intermediate Municipal Strategy10
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 & investing for a child
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
Fidelity® Youth Account
Available to teens 13 to 17, whose parent/guardian has an existing brokerage account with Fidelity. Teens can learn to spend, save, and invest in a brokerage account that they’ll own and manage with parent/guardian supervision. This account comes with a free debit card11 and has no subscription fees, no account fees, and no minimums.12 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
Roth IRA for Kids
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
The Attainable Savings PlanSM 13
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
Saving for medical expenses
If you have a health savings account (HSA)-eligible health plan, an HSA will help you save money tax-free to pay for qualified medical expenses. Any money you don't spend can be saved year after year – you can even invest it until retirement. The account is always yours even if you are no longer covered by an HSA-eligible health plan. Learn more
Fidelity Go® HSA
A low-cost professional money management solution for your HSA. 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. Learn more
Get an immediate tax deduction while supporting your favorite charities. Learn more
Estate planning and trusts
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
Fidelity Personal Retirement Annuity®
This low-cost deferred variable annuity allows you to save more for retirement on a tax-deferred basis. Learn more
Deferred Fixed Annuities
Deferred fixed annuities offer a guaranteed14 rate of return for a set period of time. Available through The Fidelity Insurance Network®. Learn more
Immediate Fixed Income Annuities
Immediate fixed income annuities provide a guaranteed14 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
Deferred income annuities provide you, or you and your spouse, with guaranteed14 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
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
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To transfer assets from another firm, first open a compatible Fidelity account.
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.
The Fidelity® Debit Card is issued by PNC Bank, N.A. or Leader 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, and Fidelity is not affiliated with PNC Bank or BNY Mellon. The parent company of Fidelity has a minority percentage, noncontrolling interest in Leader Bank. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank and Leader Bank pursuant to a license from Visa U.S.A. Inc.
Tax-smart (i.e., tax-sensitive) investing techniques, including tax-loss harvesting, are applied in managing certain taxable accounts 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. Assets contributed may be sold for a taxable gain or loss at any time. There are no guarantees as to the effectiveness of the tax-smart investing techniques applied in serving to reduce or minimize a client's overall tax liabilities, or as to the tax results that may be generated by a given transaction.
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.
Fidelity Crypto℠ is offered by Fidelity Digital Assets℠.
Cryptocurrency accounts, custody & trading provided by Fidelity Digital Asset Services, LLC. Fidelity Digital Asset Services, LLC, a New York State-chartered limited liability trust company (NMLS ID 1773897). Crypto is not insured by the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation ("SIPC"). Cryptocurrency risk disclosure
Fidelity Crypto and Fidelity Digital Assets are service marks of FMR LLC.
Brokerage services in support of securities trading are provided by Fidelity Brokerage Services LLC ("FBS"), and related custody services are provided by National Financial Services LLC ("NFS"), each a registered broker-dealer and member NYSE and SIPC. Neither FBS nor NFS offer crypto nor provide trading or custody services for such assets.
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.