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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Retirement and IRAs

With a Fidelity IRA, you can manage your investments yourself with no account fees or minimums¹ or have us do it for you for an advisory fee.

Great if you want to reduce your taxable income by deducting your contributions.² You won't pay taxes until you withdraw money in retirement.³

Open a traditional IRA

Great if you want access to your contributions without taxes or penalties before retirement. And you won't pay taxes when you withdraw your money in retirement.⁴

Open a Roth IRA

Great if you like a centralized account for any former workplace 401(k)s or 403(b)s. If you already have a Fidelity IRA, get started moving your money.

Open a rollover IRA

We can help you determine which IRA might be right for you.

Compare IRAs

No matter the size or shape of your small business, there's an option that will help you save for the future.

Learn more

Your child can start saving for retirement as soon as they have a job.

Learn more

Questions?
800-544-5373

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Investing involves risk, including risk of loss.

1.

No account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See Fidelity.com/commissions for further details.

2. For 2020, full deductibility of a contribution is available to active participants whose 2020 Modified Adjusted Gross Income (MAGI) is $104,000 or less (joint) and $65,000 or less (single); partial deductibility for MAGI up to $124,000 (joint) and $75,000 (single). In addition, full deductibility of a contribution is available for working or nonworking spouses of plan participants who are not themselves covered by an employer-sponsored plan whose MAGI is less than $196,000; and partial deductibility for MAGI up to $206,000. If neither you nor your spouse (if any) is a participant in a workplace plan, then your traditional IRA contribution is always tax-deductible, regardless of your income.

3. For Traditional IRAs, penalty-free withdrawals include but are not limited to: qualified higher education expenses; qualified firm home purchase (lifetime limit of $10,000); certain major medical expenses; certain long-term unemployment expenses; disability; death; or substantially equal period payments.

4.

A distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, qualified first-time home purchase, or death.

Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

Optional investment management services provided for a fee through Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser and a Fidelity Investments company. Discretionary portfolio management provided by its affiliate, Strategic Advisers LLC, a registered investment adviser. These services are provided for a fee.

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

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

560587.39.0

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