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Open an Account

It's easy—opening your new account takes just minutes.


Saving for retirement

Rollover IRA
Consolidating your old 401(k) or IRAs into a Rollover IRA can help you manage your retirement savings more efficiently. You may pay less in account fees and gain access to a broader array of investment options.1 Learn more.

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Traditional IRA
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.

 Open online.

Roth IRA
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.

 Open online.

SEP IRA
Set up a workplace savings plan if you are self-employed or own a small business. Learn more.

 Open online.

Inherited IRA
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. Learn more.

 Open online.

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.

 Open online.

Self-Employed 401(k)
Designed for self-employed individuals or business owners without employees. Learn more.

 

SIMPLE IRA
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.

 


Investing and trading

Brokerage Account – The Fidelity Account®
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. Purchase more commission-free iShares® ETFs online at Fidelity, than at any other major online brokerage firm—65 in all.2 Learn more.

 Open online.

Brokerage and Cash Management
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 reimbursed5 and deposits eligible for FDIC insurance.6 Learn more.

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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.

 


Managed accounts

Fidelity Portfolio Advisory Service®
With a model portfolio of stock and bond mutual funds, experienced financial professionals actively manage your investment assets,7 helping you meet your financial goals.8 Learn more.

 

Fidelity® Personalized Portfolios
With a personalized portfolio of stocks, bonds, mutual funds, and exchange-traded funds, we’ll help you invest your assets or those of your trust using tax-sensitive investment management techniques.7 Eligible investors receive exclusive access to Fidelity’s only large-cap separately managed account. Learn more.

 


Saving for education

529 Account
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.

 Open online.

Custodial Account
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.

 Open online.


Charitable giving

Fidelity CharitableSM
Get an immediate tax deduction while supporting your favorite charities. Learn more.

 


Estate planning

Trust 
Invest and manage a brokerage account on behalf of an established trust. Learn more.

 

Estate 
Invest and manage a brokerage account on behalf of an estate. Learn more.

 


Annuities

Fidelity Personal Retirement Annuity® 9
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 guaranteed10 rate of return for a set period of time. Available through The Fidelity Insurance Network®. Learn more.

 

MetLife Growth and Guaranteed IncomeSM, 9, 11
This deferred variable annuity provides guaranteed lifetime income,10 growth potential, and access to assets.12 Learn more.

 

Fidelity Freedom Lifetime Income® 9
This immediate variable income annuity provides lifetime income,10 helping to reduce the risk that you will outlive your retirement savings. Learn more.

 

Immediate Fixed Income Annuities
Immediate fixed income annuities provide a guaranteed10 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 annuities13 provide you, or you and your spouse, with guaranteed10 income for the rest of your life beginning on a future date. Available through The Fidelity Insurance Network®. Learn more.

 


Life insurance

Universal Life
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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401(k) Rollover to IRA

Fidelity makes rolling over an old retirement savings plan from a former employer easy for you.

Why roll over your account now

  • Potential tax-deferred savings growth
  • More control over your savings and freedom from restrictions that may exist in your workplace savings plan
  • Easier to track and manage investments when you consolidate assets
  • Penalty-free withdrawals for first-time home purchases or qualified education expenses

Why Fidelity

  • Only $7.95 for online U.S. equity trades,1 lower than Schwab, TD Ameritrade, and E*Trade2
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, ETFs, and FDIC-insured CDs
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • Knowledgeable representatives to help you create and maintain your plan
1. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
2. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
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Traditional IRA

With a Traditional IRA, you make contributions with money you may be able to deduct on your tax return. Any earnings potentially grow tax-deferred until you withdraw them in retirement.

Account benefits

  • Potential tax-deferred savings growth and tax-deductible contributions (depending on income)
  • No $2,500 minimum if you make automatic contributions from your bank account
  • Many easy ways to make contributions to your account, including transferring funds from your bank or other financial institution, direct deposit, check, or mobile check scan using your iPad®, iPhone®, or Android™ device

Why Fidelity

  • Only $7.95 for online U.S. equity trades,1 lower than Schwab, TD Ameritrade, and E*Trade2
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, ETFs, and FDIC-insured CDs
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • Knowledgeable representatives to help you create and maintain your plan
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible accounts.3

What you should know

  • Often a good choice for investors with earned income who are under age 70½ and looking to save for retirement
  • $5,500 maximum contribution for 2013 and 2014 ($6,500 if you’re 50 or older)4
  • Minimum required distributions starting at age 70½

1. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
2. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
3. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
4. For a Traditional IRA, full deductibility of a contribution for 2013 is available to active participants whose 2013 Modified Adjusted Gross Income (MAGI) is $95,000 or less (joint) and $59,000 or less (single); partial deductibility for MAGI up to $115,000 (joint) and $69,000 (single). In addition, full deductibility of a contribution is available for working or nonworking spouses who are not covered by an employer-sponsored plan whose MAGI is less than $178,000 for 2013; partial deductibility for MAGI up to $188,000. For 2014 full deductibility of a contribution is available to active participants whose 2014 Modified Adjusted Gross Income (MAGI) is $96,000 or less (joint) and $60,000 or less (single); partial deductibility for MAGI up to $116,000 (joint) and $70,000 (single). In addition, full deductibility of a contribution is available for working or nonworking spouses who are not covered by an employer-sponsored plan whose MAGI is less than $181,000 for 2014; partial deductibility for MAGI up to $191,000.
Third-party trademarks appearing herein are the property of their respective owners. All other trademarks are the property of FMR LLC.
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Roth IRA

With a Roth IRA, you make contributions with money on which you've already paid taxes. Your money can then potentially grow tax-free, with tax-free withdrawals in retirement, provided that certain conditions are met.1

Account benefits

  • Potential tax-free growth for after-tax contributions, with tax-free withdrawals in retirement
  • No minimum required distributions in retirement during the lifetime of the original owner
  • No $2,500 minimum when you make automatic contributions from your bank account
  • Many easy ways to make contributions to your account, including transferring funds from a bank or other financial firm, direct deposit, check, or mobile check scan using your iPad®, iPhone®, or Android™ device

Why Fidelity

  • Only $7.95 for online U.S. equity trades,2 lower than Schwab, TD Ameritrade, and E*Trade3
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, ETFs, and FDIC-insured CDs
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • Knowledgeable representatives to help you create and maintain your plan
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible accounts.4

What you should know

  • Maximum contribution of $5,500 for 2013 and 2014 ($6,500 if you're 50 or older)
  • Designed for investors 18 and older who meet the Roth IRA income limits:
    • 2013 income limit for single filers of $112,000 ($127,000 for a partial contribution); for joint filers, $178,000 ($188,000 for a partial contribution)
    • 2014 income limit for single filers of $114,000 ($129,000 for a partial contribution); for joint filers, $181,000 ($191,000 for a partial contribution)

1. A distribution from a Roth IRA is tax-free and penalty-free provided that the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, death, disability, qualified first time home purchase.
2. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
3. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
4. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
Third-party trademarks appearing herein are the property of their respective owners. All other trademarks are the property of FMR LLC.
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SEP IRA: Simplified Employee Pension Plan

Simplified Employee Pension Plans (SEP IRAs) help self-employed individuals and small-business owners get access to a tax-deferred benefit when saving for retirement.

Account benefits

  • Potential tax-deferred savings growth and tax-deductible employer contributions
  • No annual tax filings required; easy plan administration
  • Flexibility to increase, lower, or skip annual employer contributions

Why Fidelity

  • Only $7.95 for online U.S. equity trades,1 lower than Schwab, TD Ameritrade, and E*Trade2
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, exchange-traded funds (ETFs), and FDIC-insured CDs
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • Knowledgeable retirement specialists to help you create and maintain your plan
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible Fidelity accounts.3

What you should know

  • Employer contributions ranging from 0%–25% of compensation ($51,000 cap for 2013; $52,000 cap for 2014), with each eligible employee receiving the same percentage
  • Minimum required distributions generally beginning at age 70½ (10% withdrawal penalty for distributions if under age 59½, with exceptions)

1. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
2. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
3. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
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Inherited IRA

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

What you should know

  • Minimum required distributions (MRDs) are often based on your own life expectancy.
  • Your options may vary depending on your relationship to the original account owner.
  • Deadlines apply. If you're not the only beneficiary, set up your own Inherited IRA for your portion of the inherited IRA assets by December 31 of the year following the IRA owner's date of death. If you are not a spousal beneficiary, you must generally begin MRDs by December 31 of the year following the original owner's death. If you want to disclaim the assets, you must do so within nine months of the date of death of the original owner.

Why Fidelity

  • Only $7.95 for online U.S. equity trades,1 lower than Schwab, TD Ameritrade, and E*Trade2
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, exchange-traded funds (ETFs), and FDIC-insured CDs
  • Automatic withdrawal service to calculate your annual MRD, based on information you provide, and to process the distribution
  • Knowledgeable representatives to help you create and maintain your plan

Need help? Contact Fidelity Inheritor Services to facilitate the process.

1. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
2. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
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Inherited Roth IRA

If you've inherited a Roth IRA, you can move those assets into our Inherited Roth IRA and continue to enjoy tax-advantaged growth potential.

What you should know

  • Minimum required distributions (MRDs) are often based on your own life expectancy.
  • Your options may vary depending on your relationship to the original account owner.
  • Deadlines apply. If you're not the only beneficiary, set up your own Inherited IRA for your portion of the inherited IRA assets by December 31 of the year following the IRA owner's date of death. If you are not a spousal beneficiary, you must generally begin MRDs by December 31 of the year following the original owner's death. If you want to disclaim the assets, you must do so within nine months of the date of death of the original owner.

Why Fidelity

  • Only $7.95 for online U.S. equity trades,1 lower than Schwab, TD Ameritrade, and E*Trade2
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, exchange-traded funds (ETFs), and FDIC-insured CDs
  • Automatic withdrawal service to calculate your annual MRD, based on information provided by you, and to process the distribution
  • Knowledgeable representatives to help you create and maintain your plan

Need help? Contact Fidelity Inheritor Services to facilitate the process.

1. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
2. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
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The Fidelity Account®

This full-featured, low-cost brokerage account can meet your needs while you grow as an investor.

The Fidelity Account advantage

  • No annual account fees
  • Advanced trading platform1 and tools for Active Traders and free, independent research from more than 20 providers2
  • Only $2,500 minimum—and many easy ways to deposit money in your account, including transferring funds from your bank or another brokerage institution, direct deposit, and check deposit
  • International investing in 25 markets and 16 currencies
  • Mobile trading applications to help you keep up with the market and your portfolio

Why Fidelity

  • Only $7.95 for online U.S. equity trades, lower than Schwab, TD Ameritrade, and E*Trade3
  • Fidelity's commitment to execution quality, including our 1-Second Execution Guarantee
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, exchange-traded funds (ETFs), and FDIC-insured CDs
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • Access to knowledgeable representatives
  • More than 150 Investor Centers
$7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
1. Fidelity Active Trader Pro PlatformsSM are available to customers trading 36 times or more in a rolling twelve-month period; customers who trade 120 times or more have access to Recognia anticipated events and Elliott Wave analysis.
2. Fidelity brokerage account required for access to research reports. Minimum opening balance of $2500 is required.
3. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
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The Fidelity® Cash Management Account

The Fidelity® Cash Management Account is a convenient way to save, spend, and manage your cash. With deposits eligible for FDIC insurance coverage, it has all the features you need from a traditional checking account, without the bank.

Save, spend, and manage your cash

  • No annual account fees, no minimum deposit or balance
  • All ATM fees reimbursed—at more than 1 million ATMs worldwide1
  • Account Dashboard to view your cash balances and transactions, pay bills, transfer money and more, all from one secure place
  • Deposits eligible for FDIC insurance2
  • Interest earned on uninvested cash, which is eligible for FDIC insurance coverage up to $1,250,000—five times more than the typical bank3
  • Easy cash management features, including:
    • Free mobile check deposit
    • Free Fidelity BillPay®
    • Free unlimited checkwriting
    • Electronic funds transfers
    • Direct deposit

Why Fidelity

  • Our Fidelity® Cash Management Account, ranked as an industry-leading4 alternative to traditional checking5
  • Customizable alerts that remind you to invest excess cash or link to other Fidelity accounts for self-funded overdraft protection
  • Remote check deposit and remote bill paying with Fidelity Mobile® apps
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible Fidelity accounts.6
1. All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity Visa® Gold Check Card linked to your account, at any ATM displaying the Visa®, Plus® or Star® logos. The reimbursement will be credited to your Fidelity Cash Management Account the same day the ATM fee is debited from the account. Please note, there is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account. The Fidelity Visa® Gold Check Card is issued by PNC Bank, NA and administered by BNY Mellon Investment Servicing Trust Company, which are not affiliated with Fidelity Investments. The third party trademarks appearing herein are the property of their respective owners.
2. The Cash Balance in the Fidelity® Cash Management Account is swept to an FDIC-insured interest bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information about FDIC insurance coverage, please visit the FDIC website at FDIC.gov or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Disclosure Document for the Fidelity Cash Management Account, customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Go to Fidelity.com/FCMACoreBanks to see a list of eligible Program Banks, and the FDIC Disclosure Document (PDF).
3. The Fidelity® Cash Management Account's uninvested cash balance is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for nearly $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Refer to the FDIC-Insured Cash (Core) Disclosure Statement and list of eligible Program Banks for details. The deposits at Program Banks are not covered by SIPC. For additional information please see the Fidelity Cash Management Account FDIC Disclosure Document (PDF).
4. SmartMoney Annual Broker Survey, SmartMoney magazine, June 2010, 2011, and 2012.
5. The Fidelity® Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®.
6. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
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The Fidelity Account® Plus Fidelity® Cash Management Account

Open the Fidelity Account® with a Fidelity® Cash Management Account—an industry-leading1 alternative to traditional checking.2 You’ll enjoy all the benefits of our low-cost brokerage account and take control of your cash.

Why the Fidelity Account®

  • No annual account fees
  • Only $7.95 for online U.S. equity trades, lower than Schwab, TD Ameritrade, and E*Trade3
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, exchange-traded funds (ETFs), and FDIC-insured CDs
  • Advanced trading platform4 and tools for Active Traders and free, independent research from more than 20 providers5
  • Fidelity's commitment to execution quality, including our 1-Second Execution Guarantee6
  • International investing in 25 markets and 16 currencies
  • Mobile trading applications to help you keep up with the market and your portfolio

Why the Fidelity® Cash Management Account

  • No annual account fees, minimum deposit or balance
  • All ATM fees reimbursed—at more than 1 million ATMs worldwide7
  • Deposits eligible for FDIC insurance8
  • Interest earned on uninvested cash, which is eligible for FDIC insurance coverage up to $1,250,000—five times more than the typical bank9
  • Account Dashboard, mobile check deposit, Fidelity BillPay®, and unlimited checkwriting; plus electronic funds transfers, direct deposit, and more

Why Fidelity

  • Access to knowledgeable representatives
  • More than 150 Investor Centers
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible Fidelity accounts.10

$7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
1. SmartMoney Annual Broker Survey, SmartMoney magazine, June 2010, 2011, and 2012.
2. The Fidelity® Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®.
3. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
4. Fidelity Active Trader Pro PlatformsSM are available to customers trading 36 times or more in a rolling twelve-month period; customers who trade 120 times or more have access to Recognia anticipated events and Elliott Wave analysis.
5. Fidelity brokerage account required for access to research reports. Minimum opening balance of $2500 is required.
6. Fidelity will waive the commission charge on eligible stock trades not executed within one second. Offer limited to market orders between 1 and 1000 shares to buy, sell, or buy to cover stocks listed in the S&P 500® Index. Orders must be entered between 9:45 a.m. and 3:59 p.m. ET on a day when the equity markets are open and times will be adjusted when the markets open late/close early. Execution speed is calculated from the time Fidelity accepts the order to the time of execution reported to Fidelity by the executing market center. Eligible orders can be entered on Fidelity.com, Fidelity Active Trader Pro®, FAST®, wireless devices, or through a Fidelity Representative. Short sales, extended hours orders, directed trade orders, and certain other orders excluded. Certain market and systems conditions may impact qualification for this guarantee. Fidelity reserves the right to restrict or revoke this offer at any time.
7. All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity Visa® Gold Check Card linked to your account, at any ATM displaying the Visa®, Plus® or Star® logos. The reimbursement will be credited to your Fidelity Cash Management Account the same day the ATM fee is debited from the account. Please note, there is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account. The Fidelity Visa® Gold Check Card is issued by PNC Bank, NA and administered by BNY Mellon Investment Servicing Trust Company, which are not affiliated with Fidelity Investments. The third party trademarks appearing herein are the property of their respective owners.
8. The Cash Balance in the Fidelity® Cash Management Account is swept to an FDIC-insured interest bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information about FDIC insurance coverage, please visit the FDIC Web site at FDIC.gov or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Disclosure Document for the Fidelity Cash Management Account, customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Go to Fidelity.com/FCMACoreBanks to see a list of eligible Program Banks, and the FDIC Disclosure Document (PDF).
9. The Fidelity® Cash Management Account's uninvested cash balance is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for nearly $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Refer to the FDIC-Insured Cash (Core) Disclosure Statement and list of eligible Program Banks for details. The deposits at Program Banks are not covered by SIPC. For additional information please see the Fidelity Cash Management Account FDIC Disclosure Document (PDF).
10. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
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529 College Savings Account

529 plans are flexible, tax-advantaged accounts designed specifically for college savings. Invest in any state’s plan, and use the funds at most accredited schools nationwide.

Account benefits

  • No annual account fee—and no income restrictions
  • Only $50 minimum to open—or $15/month with automatic contributions from your bank account
  • High maximum contribution limits
  • Tools to help you calculate college costs and customize a savings strategy
  • College savings representatives to assist you with your needs

Why Fidelity

  • Wide variety of investment options, including:
    • 24 age-based portfolios that automatically reallocate over time as the beneficiary nears college age; your choice of three types of funds, including Fidelity Funds, Multi-Firm Funds, and Fidelity Index Funds
    • 6 static portfolios that do not reallocate
    • 5 individual fund portfolios that invest in a single mutual fund
    • 1 bank deposit portfolio1 comprised exclusively of a deposit in an FDIC-insured interest-bearing bank account
  • Fidelity Rewards Credit Cards: Apply and earn up to 2% cash back on purchases deposited into any of your eligible accounts.2
1. Although the underlying deposits are eligible for FDIC insurance, subject to applicable federal deposit insurance limits, the Units of the Bank Deposit Portfolio are not insured or guaranteed by the FDIC or any other government agency. You are responsible for monitoring the total amount of your assets on deposit at the depository bank, including amounts held directly at the depository bank. All such deposits held in the same ownership capacity at the depository bank are subject to aggregation and to the current FDIC insurance coverage limitation of $250,000. Please see a 529 Fact Kit for more details.
2. Earn up to 2 points per dollar in net retail purchases charged to the card. Cash-back rewards only apply to points redeemed for a deposit into an eligible Fidelity account. Other restrictions apply. Full details appear in the Program Guidelines accompanying the online credit card application.
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Custodial Account (UGMA/UTMA)

Invest on behalf of a minor with a custodial account (also known as an UGMA or UTMA account, based on the Uniform Gifts/Transfers to Minors Acts). A custodial account at Fidelity is a brokerage account with comprehensive trading, mutual fund, and cash management features. Funds in a custodial account are irrevocable gifts and may only be used for the benefit of the minor.

Account benefits

  • No annual account fees
  • Online access to your account, so you can move money and use funds for everyday expenses and bill-paying
  • Advanced trading platform and tools for Active Traders
  • Only $2,500 minimum investment required
  • Many easy ways to make contributions to your account, including transferring funds from your bank or another brokerage institution, direct deposit, or check

Why Fidelity

  • Only $7.95 for online U.S. equity trades,1 lower than Schwab, TD Ameritrade, and E*Trade2
  • Comprehensive research and tools to help you find, analyze, and track investment performance
  • A wide range of Fidelity and non-Fidelity funds, stocks, bonds, exchange-traded funds (ETFs), and FDIC-insured CDs
  • Access to knowledgeable representatives
1. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
2. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.
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Accounts you can transfer

To transfer assets to Fidelity from another firm, first open a compatible Fidelity account.

Account to transfer Compatible Fidelity account  
Brokerage Account The Fidelity Account® Open Now
Traditional IRA Traditional IRA Open Now
Roth IRA Roth IRA Open Now
SIMPLE-IRA SIMPLE-IRA Open Now
SEP-IRA SEP-IRA Open Now
Rollover IRA Rollover IRA Open Now
     
Already have a compatible Fidelity account? Transfer an account.
Account to roll over Compatible Fidelity account  
401(k) or other pre-tax qualified plan* Rollover IRA Open Now
Designated Roth Account Roth IRA Open Now
403(b) – pre-tax Rollover IRA Open Now
457(b) – government Rollover IRA Open Now
     
Already have a compatible Fidelity account? Roll over an eligible workplace account.

*Qualified plans include profit-sharing, money purchase and Defined Benefits plans.

Not sure what to do? You can always call 800-343-3548.

Transferring assets?

To transfer assets from another firm, first open a compatible Fidelity account.

Free commission offer applies to online purchases of 65 iShares® ETFs and Fidelity ETFs in a Fidelity brokerage account with a minimum opening balance of $2,500. The sale of ETFs are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal) by Fidelity. After September 30, 2013, 65 iShares ETFS are subject to a short-term trading fee by Fidelity, if held less than 30 days. After January 31, 2014, Fidelity ETFs are subject to a short-term trading fee by Fidelity, if held less than 30 days.
This site is for U.S. residents with a valid U.S. address. Not a U.S. resident? Visit our International Investment site.
1. Keep in mind that fees may apply when closing and consolidating accounts.
2. For iShares ETFs, Fidelity receives compensation from the ETF sponsor and/or its affiliates in connection with an exclusive, long-term marketing program that includes promotion of iShares ETFs and inclusion of iShares funds in certain FBS platforms and investment programs. Additional information about the sources, amounts, and terms of compensation is described in the ETF’s prospectus and related documents. Fidelity may add or waive commissions on ETFs without prior notice. BlackRock and iShares are registered trademarks of BlackRock, Inc. and its affiliates.
3. SmartMoney Annual Broker Survey, SmartMoney magazine, June 2010, 2011, and 2012.
4. The Fidelity® Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®.
5. All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Visa® Gold Check Card linked to your account at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited from the account. Please note that there is a foreign transaction fee of 1% that is not waived, which will be included in the amount charged to your account. The Fidelity® Visa® Gold Check Card is issued by PNC Bank, N.A., and the check card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Fidelity Investments. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.
6. The Cash Balance in the Fidelity® Cash Management Account is swept to an FDIC-insured interest bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information about FDIC insurance coverage, please visit the FDIC Web site at FDIC.gov or call 877-ASK-FDIC. As referenced in the FDIC-Insured Deposit Sweep Disclosure Document for the Fidelity Cash Management Account, customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules. Go to Fidelity.com/FCMACoreBanks to see a list of eligible Program Banks, and the FDIC Disclosure Document (PDF).
7. Fidelity Portfolio Advisory Service® is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity® Personalized Portfolios may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc.; Fidelity Personal Trust Company, FSB (“FPT”), a federal savings bank; or Fidelity Management Trust Company (“FMTC”). Nondeposit investment products and trust services offered through FPT and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal. These services provide discretionary money management for a fee.
8. This program is not managed for tax sensitivity.
9. These are variable annuities—investment returns, contract value, and, for variable income annuities, payment amount are not guaranteed and will fluctuate.
10. Guarantees apply to certain insurance and annuity products (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer's claims-paying ability and financial strength.
11. MetLife Growth and Guaranteed Income annuity (Policy Form Series No. 8800 (10/09)) is issued by MetLife Investors USA Insurance Company (MLIUSA), 5 Park Plaza, Suite 1900, Irvine, CA 92614 and, in New York (Policy Form Series No. 6800 (10/09)), only by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 (each, a "MetLife" company). MLIUSA and Metropolitan Life Insurance company are affiliates. The contract's financial guarantees are solely the responsibility of the issuing insurance company. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors; they are not affiliated with any MetLife company.
12. Excess withdrawals and any withdrawal prior to age 59½ may significantly reduce the guaranteed withdrawal benefit amount, and, if taken during the first 5 contract years, may be subject to a 2% surrender fee. Withdrawals of taxable amounts are subject to ordinary income tax, and if made before age 59½, may be subject to a 10% IRS penalty.
13. Deferred Income Annuity contracts are irrevocable, have no cash surrender value and no withdrawals are permitted prior to the income start date.
Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 100 Salem Street, Smithfield, RI 02917, and in New York, by Empire Fidelity Investments Life Insurance Company (EFILI),® New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third party insurance companies, which are not affiliated with any Fidelity Investments company. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.
All customer ratings and reviews are provided to Fidelity on a voluntary basis and are screened in accordance with the guidelines set forth in our Customer Ratings and Reviews Terms of Use. For additional information on which ratings and reviews may be posted, please refer to our Customer Ratings and Reviews Terms of Use. Featured reviews have been selected based on subjective criteria and have been reviewed by Fidelity Investments. The average rating is determined by calculating the mathematical average of all ratings that are approved for posting per the Customer Ratings and Reviews Terms of Use and does not include any ratings that did not meet the guidelines and were therefore not posted. Ratings and reviews are added continuously to the website (after a delay for screening against guidelines) and average ratings are updated dynamically as reviews are added or removed.
The ratings and experiences of customers may not be representative of the experiences of all customers or investors and is not indicative of future success. The accuracy of information included in the customer ratings and reviews cannot be guaranteed by Fidelity Investments. Customers who post ratings may be responsible for disclosing whether they have a financial interest or conflict in submitting a rating and review.
Please contact a Fidelity representative if you have additional questions or concerns about the ratings and reviews posted here.

Before investing, consider the investment objectives, risks, charges, and expenses of the fund, 529 plan or annuity and its investment options. Contact Fidelity for a prospectus or fact kit or, if available, a summary prospectus containing this information. Read it carefully.

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