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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Retirement and IRAs

Save for retirement with a Fidelity IRA and get access to our broad range of investment options, exceptional service, and free investment guidance.

Our easy-to-follow rollover process offers several options to help you get invested.

Open a Rollover

Get tax-free growth potential and withdrawals,² with no annual fees.¹

Open a Roth IRA

Tax-deferred growth with no annual fees¹ can help savings potentially grow faster.

Get details about making contributions or setting up automatic investments.

Compare Roth and Traditional IRAs

Straightforward pricing

With no minimums to open an account,³ no annual account fees and competitive pricing, you'll always know what you are paying.

Broad range of investments

Get a range of Fidelity and non-Fidelity funds, as well as stocks, bonds, ETFs, and CDs—plus help choosing them.

Tax benefits

Take advantage of potential tax-deferred or tax-free growth. See our special discounts with tax providers

Get the advantages of retirement savings accounts with simplified plan management and specialized customer service—24 hours a day, 7 days a week—for small-business owners and self-employed individuals.

Compare all small-business plans

Choosing investments for your IRA

IRAs offer access to a wide range of investments. Find the right mix that works for you.

Options for your old 401(k)

Learn about options for your old 401(k) after you retire or change jobs.

Transfer your IRA

Consider simplifying your finances by moving your IRA to Fidelity from another provider.

Learn about IRAs

Get the basics about how IRAs work as well as how to convert, make withdrawals, and more.

Retirement calculators and tools

Get help developing a retirement plan, building an income strategy, estimating your RMD, and more.

What we offer

We can help you reach your goals, whether you want to invest on your own or you'd like us to do it for you.

Open an Account

Questions?
800-343-3548

Chat with a representative

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Find an Investor Center

Find an Investor Center

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.

Investing involves risk, including risk of loss.

1.

There is no opening cost or annual fee for Fidelity's Traditional, Roth, SEP, SIMPLE, and rollover IRAs. Fund investments held in your account may be subject to management and short-term trading fees, as described in the offering materials. For all securities, see the Fidelity commission schedule (PDF) for trading commission and transaction fee details.

2.

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

3.

Zero minimums generally apply to Fidelity share classes that previously required investment minimums of $10k or less and for stock and bond index fund classes that previously had minimums of up to $100 million. Some Fidelity mutual funds have minimum investment requirements. Other fees and expenses may apply to continued investment as described in the fund’s current prospectus. See the fund’s prospectus for details.

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 Web site (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 are 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 or review.

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

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