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We have investing accounts that can help you trade, save, prepare for retirement, and more. Set your preferences and choose the account(s) that work best for you.
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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 withdrawals1
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
Inherited Traditional IRA
Continue tax-deferred growth potential
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 Cash Management Account
Go beyond banking
This account offers you all the features of a traditional checking account but with even more competitive rates on your cash.
- No account fees or minimums
- Global reimbursement on ATM withdrawals
- Free debit card, checkwriting, and Bill Pay, plus an FDIC-insured option on cash balances
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
Fidelity® Wealth Management
A dedicated advisor to help you meet your goals
You and your advisor can create a personalized wealth plan focused on you, then work together to help grow and protect your wealth.
- Investment fees and minimums may vary*
- Comprehensive planning that covers retirement and estate planning to managing taxes and health care costs
- Personalized investment management with a strategy built around your unique goals
SEP IRA
An easy-to-maintain plan for you and typically up to 4 employees
This account helps self-employed individuals and small-business owners get access to a tax-deferred benefit when saving for retirement.1
- No account minimum²
- No account fees²
- An option for a small business owner and typically up to 4 employees
SEP IRA—Fidelity Go®
A robo advisor retirement account 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 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
Fidelity Youth® Account
Set your teen up for financial success
Teens 13 to 17 own and manage this account (with parental oversight), where they can learn to save and invest in one secure place.
- No account minimums
- No account or subscription fees
- 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
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
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
Inherited Roth IRA
Continue tax-deferred Roth growth potential*
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)
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)
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
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
Self-employed 401(k)
A 401(k) for owner-only businesses and self-employed individuals
Designed for individuals with no employees other than a spouse, a Self-employed 401(k) helps you reduce taxes and save more, with a tax-free Roth option.
- No investment minimum²
- No account fees²
- An option for owner-only businesses and self-employed individuals
SIMPLE IRA
A low-complexity plan for small businesses with up to 100 employees
With online management capabilities, Fidelity's SIMPLE IRA makes it easy for small businesses to offer a retirement plan with tax advantages.
- No investment minimum
- No account fees
- An option for employers with 1-100 employees
Investment-Only Plans for Small Business
Add Fidelity investment options to existing plans
With Fidelity's brokerage account, add a range of investments to your existing small business retirement plan.
- No investment minimum³
- No account fees³
- An option for any small business with an existing retirement plan
Fidelity Advantage 401(k)℠
An affordable 401(k) for first-time providers
For small businesses offering a 401(k) for the first time Fidelity Advantage 401(k) is a low-cost simplified plan.
- One-time activation fee, quarterly administrative fee
- Tax credit eligibility
- An option for employers with up to 1,000 employees offering a 401(k) for the first time
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.
- Trade and transfer crypto securely
- Get crypto and stocks in the same app
- Build knowledge with articles, livestreams, and more
Fidelity Crypto® Roth IRA–Offered by Fidelity Digital Assets®
Trade crypto with the potential for tax-free growth
Trade crypto like bitcoin and ethereum within a retirement account to maximize your tax-free growth potential.
- No account opening or maintenance fees
- Get crypto and stocks in the same app
- Build knowledge with articles, livestreams, and more
Fidelity Crypto® Traditional IRA–Offered by Fidelity Digital Assets®
Trade crypto with tax-deferred growth potential
Trade crypto like bitcoin and ethereum within a retirement account to maximize your tax-deferred growth potential.
- No account opening or maintenance fees
- Get crypto and stocks in the same app
- Build knowledge with articles, livestreams, and more
Fidelity Crypto® Rollover IRA–Offered by Fidelity Digital Assets®
An IRA enabled for crypto trading
Consolidate your old 401(k) and workplace accounts without taxes or penalties into a retirement account that's enabled for crypto trading.
- No account opening or maintenance fees
- Get crypto and stocks in the same app
- Build knowledge with articles, livestreams, and more
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
Fidelity® Rewards Visa Signature® Credit Card
Earn rewards through everyday spending
Exclusively for Fidelity customers, a card with unlimited 2% cash back, which you can spend, save, or deposit into any eligible Fidelity account.
- No caps, limits, restrictions, or expirations, plus no-cost fraud liability
- Get offers from some of your favorite merchants
- An option to help manage expenses, earn rewards, and do more with your spending
Fidelity Managed FidFolios®
Customized, professionally managed stock portfolios
Choose from 8 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
Personalized investment management
Pursue your wealth's full potential on your terms with customized accounts
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
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 their portfolio
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 (ABLE account)
Save money, keep your benefits
An ABLE 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
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
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
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 and secure payments regardless of market fluctuations
- An option for someone who wants a predictable income stream starting 2+ years in the future
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
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 and secure payments regardless of market fluctuations
- An option for investors who want a predictable income stream starting within 1 year
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 $10 million
- Affordable for many budgets, and beneficiaries receive the full value of the policy
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
Hybrid life insurance with long-term care
Plan today, protect tomorrow
Peace of mind for you and your loved ones with a plan to cover long-term care costs.
- Long-term care encompasses many different types of personal care services for short or long periods of time
- Planning ahead can help reduce financial and emotional stress
- Stay in control of your care and your choices as you age
Deferred Variable Annuity with GMAB
Protect your investment against market declines
A deferred-variable annuity designed to protect your original investment against market declines, all while providing a chance for potential growth.
- Investment minimum: $25,000
- Access value of account when needed (surrender charges may apply and guaranteed amount will be reduced)
- Guarantees initial investment return after 10-year period (less the impact of any withdrawals), regardless of market performance
Fixed Income Annuity with GLWB
Get guaranteed lifetime income with access when you need it
A fixed-income annuity that offers guaranteed lifetime income, protection from market fluctuations, and flexible access if your plans change (subject to contract terms and potential withdrawal charges).
- Investment minimum: $50,000
- Income is dependent on several factors (such as gender, age, time, of purchase and initial investment amount)
- Guarantees a lifetime withdrawal benefit amount that begins on the date that you choose
Deferred Variable Annuity with GLWB
Start when you're ready, get guaranteed income for the rest of your life
Get guaranteed income for the rest of the your life—whenever you’re ready—with the flexibility to access your money if your plans change (subject to contract terms and potential withdrawal charges).
- Investment minimum: $50,000
- Potential to grow income and outpace inflation
- Choose when you want to start your income stream