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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Open an Account

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

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. Offering more commission-free iShares^® ETFs than any other major online brokerage firm—70 in all.¹ In addition, purchase 6 Fidelity Factor ETFs, 11 Fidelity Sector ETFs and the Fidelity NASDAQ Composite Index Tracking Stock Fund (ONEQ) online commission free.² Learn more

Brokerage and Cash Management

Open online

With both the Fidelity Account^® and the Fidelity^® Cash Management Account, you enjoy all the benefits of our full-featured, low-cost brokerage account and our cash management account—with all ATM fees reimbursed⁴ and deposits eligible for FDIC insurance.⁵ Learn more

Saving for retirement

Rollover IRA

Open online

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

Traditional IRA

Open online

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

Roth IRA

Open online

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

Compare Roth and Traditional IRAs

Saving for education

529 Account

Open online

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

Managed accounts⁶

Fidelity Portfolio Advisory Service^®

With a model portfolio of stock and bond mutual funds, experienced financial professionals actively manage your investment assets, helping you meet your financial goals. Learn more

Fidelity Go^SM

Just answer a few questions and we'll suggest a mix of investments that align with your goals, your time horizon, and your risk tolerance. It only takes a few minutes to open and fund your account. After that, we'll handle all the investment decisions for you. Get started

Questions?

Free commission offer applies to online purchases of Fidelity ETFs and select iShares ETFs in a Fidelity brokerage account. Fidelity accounts may require minimum balances. The sale of ETFs is subject to an activity assessment fee (of between $0.01 to $0.03 per $1,000 of principal). iShares ETFs and Fidelity ETFs are subject to a short-term trading fee by Fidelity if held less than 30 days. ETFs are subject to management fees and other expenses.

This site is for U.S. residents with a valid U.S. address. Not a U.S. resident? Visit our International Investment site.

Guidance provided is educational in nature.

1. BlackRock Global ETP Landscape Report 12/31/2015. Based on AUM, net new flows and number of ETFs.

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. 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^®.

4. 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.

5. 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 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).

6. Fidelity Portfolio Advisory Service^®, Fidelity^® Strategic Disciplines, and BlackRock^® Diversified Income Portfolio are services provided by Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity^® Strategic Disciplines includes the Breckinridge Intermediate Municipal Separately Managed Account, the Fidelity^® Equity-Income Strategy, and the Fidelity^® Tax-Managed U.S. Equity Index Strategy. Fidelity Go^SM is a service provided by Strategic Advisers, Inc., and by Geode Capital Management LLC, an unaffiliated registered investment adviser. Fidelity^® Personalized Portfolios may be offered through Strategic Advisers, Inc., or Fidelity Personal Trust Company, FSB (FPTC), a federal savings bank. Nondeposit investment products and trust services offered through FPTC and its 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 advisory services are provided for a fee.

Brokerage services are provided by Fidelity Brokerage Services LLC. Custody and other services are provided by National Financial Services LLC. Both are Fidelity Investments companies and Members of NYSE and SIPC.

*System availability and response times may be subject to market conditions.

For information regarding how Fidelity representatives are compensated, view Fidelity Representatives' Compensation Disclosure (PDF).

Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

Before investing, consider the investment objectives, risks, charges, and expenses of the fund, 529 plan, Attainable Savings Plan, or annuity and its investment options. Contact Fidelity for a prospectus, Fact Kit, disclosure document, or, if available, a summary prospectus containing this information. Read it carefully.

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

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

$4.95 commission applies to online U.S. equity trades in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Certain accounts may require a minimum opening balance of $2,500. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). Other conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing and Custody Solutions are subject to different commission schedules.

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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.

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 2016 and 2017 ($6,500 if you’re 50 or older)²
Minimum required distributions starting at age 70½

2. For a Traditional IRA, full deductibility of a contribution for 2016 is available to active participants whose 2016 Modified Adjusted Gross Income (MAGI) is $98,000 or less (joint) and $61,000 or less (single); partial deductibility for MAGI up to $118,000 (joint) and $71,000 (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 $184,000 for 2016; partial deductibility for MAGI up to $194,000. For 2017 full deductibility of a contribution is available to active participants whose 2017 Modified Adjusted Gross Income (MAGI) is $99,000 or less (joint) and $62,000 or less (single); partial deductibility for MAGI up to $119,000 (joint) and $72,000 (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 $186,000 for 2017 partial deductibility for MAGI up to $196,000.

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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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

What you should know

$5,500 maximum contribution for 2016 and 2017 ($6,500 if you’re 50 or older)⁴
Designed for investors 18 and older who meet the Roth IRA income limits:
- 2016 income limit for single filers of $117,000 ($132,000 for a partial contribution); for joint filers, $184,000 ($194,000 for a partial contribution)
- 2017 income limit for single filers of $118,000 ($133,000 for a partial contribution); for joint filers, $186,000 ($196,000 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.

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

1. Active Trader Pro Platforms^SM is available to customers trading 36 times or more in a rolling 12-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.

4. For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution that issued the CD will generally be counted toward the aggregate limit (usually $250,000) for each applicable category of account. FDIC insurance does not cover market losses. All of the new issue brokered CDs Fidelity offers are FDIC insured. In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value. This premium is ineligible for FDIC insurance. For details on FDIC insurance limits, see .

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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.

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 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. Visit 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 . 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. 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^®.

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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.

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.

The UNIQUE College Investing Plan, U.Fund College Investing Plan, Delaware College Investment Plan, and Fidelity Arizona College Savings Plan are offered by the state of New Hampshire, MEFA, the state of Delaware, and the Arizona Commission for Postsecondary Education, respectively, and managed by Fidelity Investments.

If you or the designated beneficiary is not a New Hampshire, Massachusetts, Delaware, or Arizona resident, you may want to consider, before investing, whether your state or the beneficiary's home state offers its residents a plan with alternate state tax advantages or other benefits.

Units of the Portfolios are municipal securities and may be subject to market volatility and fluctuation.

Please carefully consider the plan's investment objectives, risks, charges, and expenses before investing. For this and other information on any 529 college savings plan managed by Fidelity, contact Fidelity for a free Fact Kit, or view one online. Read it carefully before you invest or send money.

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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.

Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Investing and trading

Saving for retirement

Saving for education

Managed accounts6

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Resources

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401(k) Rollover to IRA

Why roll over your account now

Why Fidelity

Traditional IRA

Account benefits

Why Fidelity

What you should know

Roth IRA

Account benefits

Why Fidelity

What you should know

The Fidelity Account®

The Fidelity Account advantage

Why Fidelity

The Fidelity® Cash Management Account

Save, spend, and manage your cash

Why Fidelity

The Fidelity Account® Plus Fidelity® Cash Management Account

Why the Fidelity Account®

Why the Fidelity® Cash Management Account

Why Fidelity

529 College Savings Account

Account benefits

Why Fidelity

Accounts you can transfer

Managed accounts⁶

The Fidelity Account^®

The Fidelity^® Cash Management Account

The Fidelity Account^® Plus Fidelity^® Cash Management Account

Why the Fidelity Account^®

Why the Fidelity^® Cash Management Account