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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Retirement and IRAs

Save for retirement with Fidelity and get great value, including access to a broad range of investment options, exceptional service, planning tools, investment guidance and great rates on cash—all with no account fees and no minimums to open an account.

Ready to move an old 401(k)? A rollover IRA that offers the same features as a traditional IRA may be right for you.

Start a Rollover

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

Open a Roth IRA

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

Make a contribution, choose investments, or automate future contributions to fit your needs – you decide how much, how often, and when.

Compare Roth and Traditional IRAs

Straightforward pricing

With no account fees, no minimums to open an account,¹ competitive pricing, and great rates on cash, you'll always know what you are paying.

Broad range of investments

Access a range of Fidelity and non-Fidelity funds stocks, bonds ETFs and CDs—plus help making selections. Learn more about investing your IRA.

Tax benefits

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

Compare all small-business plans

Other Fidelity IRAs

IRA 3-step checklist: Open, fund, and invest

Whether you're opening a new IRA, transferring funds from another provider, or both, the process is easy.

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

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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 are no opening, closing or annual fees 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.

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.

2.

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.

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).

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

560587.32.0

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