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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, and investment guidance.

Ready to move an old 401(k)? Take advantage of potential tax-deductible contributions with no account fees¹ when you consolidate into an IRA.

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

No account fees or minimums¹ when you open an IRA. Plus commission-free trades for online US stocks & ETFs.³ Learn more about our industry-leading value.

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.

Calculators and tools

Use our calculators and tools for help developing a retirement plan, building an income strategy, estimating your required minimum distributions, and more.

Compare all small-business plans

SEP IRAs
SIMPLE IRAs
Self-Employed 401(k)s

Investment-Only Retirement Accounts
401(k) Plans

Other retirement savings options

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.

Learn about IRAs

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

Chat with a representative

Find an Investor Center

Find an Investor Center

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.

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.

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.

Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, Strategic Advisers, FPTC, FBS, and NFS are Fidelity Investments companies.

3.

$0.00 commission applies to online U.S. equity trades and Exchange-Traded Funds (ETFs) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). Other exclusions and conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions^® are subject to different commission schedules.

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

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.

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

560587.36.1

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