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Retirement and IRAs

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

America's #1 IRA Provider1

Rollover IRA

Consolidate your savings by rolling over an old workplace plan.

Roth IRA

Enjoy tax-free growth potential, with tax-free withdrawals.2

Traditional IRA

Tax deferral means your savings can potentially grow faster.

Inherited IRA

Open an inherited IRA to keep a retirement account's advantages.

Learn more about inheriting an IRA.

Compare Traditional and Roth IRAs.

Small-Business Retirement Plans

Own a small business or self-employed? We have retirement savings solutions for you and your employees.

SEP IRA | SIMPLE IRA | Self-Employed 401(k) | Investment-Only Retirement Account | 401(k) Plan

Compare all small-business plans.

Consolidate your retirement accounts

Transfer your IRA
Simplify your finances by moving your IRA with another provider to Fidelity.

Options for your old 401(k)
Learn about rollovers and other choices for your old 401(k) when you retire or change jobs.

Rollover checklist
Follow these three easy steps to move your money from an old workplace savings plan to Fidelity.

Retirement guidance

Learn about IRAs
Get the basics, from choosing investments to taking minimum required distributions (MRDs).

Retirement planning
Choose your life stage and get suggestions for retirement planning.

Retirement calculators
Calculate your retirement savings, income planning, MRDs, and more.

Questions?

Contribute to an IRA

If you already have a Fidelity IRA, you can add funds now or set up convenient automated transfers.

More information

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

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

1. Cerulli Associates' The Cerulli Edge®—Retirement Edition, first quarter, 2014 based on an industry survey of firms reporting total IRA assets administered for Q4 2013.
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.
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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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