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.

I want to reduce my
taxable income


Traditional IRA

Great if you're hoping to deduct part of your contributions2 now, then pay taxes when you make withdrawals.3



I want tax-free
withdrawals


Roth IRA

Great if you want to pay taxes now, then let potential earnings grow tax-free.4




I want control of my
former 401(k)s


Rollover 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.


single-neutral-actions-process
Compare a Roth IRA and a traditional IRA

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

Compare IRAs

saving-money-tree
Already have a Fidelity IRA?

You can make one-time or recurring contributions to any of your IRAs (including your rollover IRA).

If you are managing your own investments, don't forget to regularly invest your contributions. It's how your money has the potential to grow over time.

Make a contribution


presentation
Small-business retirement plans

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

Learn more

saving-money-egg
Roth IRA for Kids

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

Learn more