Open an Account with Fidelity

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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.

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.

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

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

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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The Fidelity Account^®

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

$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 Platforms^SM 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.

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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.

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 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 . 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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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.

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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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.

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 Fidelity^® Cash Management Account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity Visa^® Gold Check Card linked to your Fidelity^® Cash Management Account at any ATM displaying the Visa^®, PLUS^® or STAR^® logos. The reimbursement will be credited to the 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, DE and administered by BNY Mellon Investment Servicing Trust Company, which are not affiliated with Fidelity Investments.

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 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.

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 . 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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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.	Open online.
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.

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.	Open online.

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401(k) Rollover to IRA

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Traditional IRA

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What you should know

Roth IRA

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The Fidelity Account®

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The Fidelity® Cash Management Account

Save, spend, and manage your cash

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The Fidelity Account® Plus Fidelity® Cash Management Account

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529 College Savings Account

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Accounts you can transfer

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The Fidelity Account^®

The Fidelity^® Cash Management Account

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

Why the Fidelity Account^®

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