Roth IRA

With a Roth IRA, you make contributions with money on which you've already paid taxes. Your money can then potentially grow tax-free, with tax-free withdrawals in retirement, provided that certain conditions are met.1

Why Choose Fidelity?

  • America's #1 IRA provider
  • No annual account fees and low minimums to invest
  • Broad range of investment choices
  • Tools, ideas and strategies to help you prepare for retirement

Get started now


Earnings grow federally tax-free.1


Tax-free withdrawals1

No minimum required distributions (MRDs) during the lifetime of the original owner


No age limit2

Must have employment compensation

Other income requirements apply

IRA maximum contribution

2016 and 2017: $5,500 ($6,500 if age 50 or older)

Minimum investment

There is no minimum to open the account

Certain investments, like mutual funds, require a minimum initial investment

Investment options

Access to a wide range of investments offering growth or income including mutual funds, stocks, bonds, ETFs, and FDIC-insured CDs

Support and guidance

One-on-one guidance—in person, online, or over the phone

Research and tools to help you create a long-term plan and choose investments

Account opening and annual maintenance fees


*There is no cost to open and no annual fee for Fidelity's Traditional, Roth, SEP, and Rollover IRAs. A $50 account close out fee may apply. Fund investments held in your account may be subject to management, low balance 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.

Trading fees3

$4.95 for online U.S. equity trades

More information

Converting to a Roth IRA
Learn about the potential benefits of a Roth IRA and how to take advantage of them if you have assets in a Traditional IRA.

Contribute to your IRA
Already have a Fidelity IRA? Contribute now to take advantage of tax-deferred growth.

Roth Conversion Checklists
Follow these steps to convert a Traditional IRA or an old 401(k) to a Roth IRA.


Ready to get started?

Rated 4.3 out of 5 by 762 reviewers.
Rated 5 out of 5 by simple and understandable Fidelity makes investing understandable to beginners while also offering more advanced features. Fidelity doesn't overwhelm new users with features though, they organize things in a logical way and show only the necessary buttons. Fidelity is user friendly to people of all abilities. If there is ever a term that you might not know Fidelity has simple definitions easily accessible for quick reference. I am very pleased with Fidelity. June 20, 2016
Rated 5 out of 5 by It couldn't be easier. The hard part was figuring out what I wanted to do. Once I decided how much I wanted to convert and when I wanted to do it, the people at Fidelity walked me through the process which was really not difficult when you had someone who knew what they were doing walking you through each step. June 13, 2016
Rated 5 out of 5 by Best in Class Company Fidelity is a "best in class" company regarding investments and IRAs. Each customer service experience has been pleasant. Each question has been answered fully and I have not had to call back or contact Fidelity a second time. Fidelity offers thousands of accounts from which to choose, and provides an abundance of information and search options for selecting the right funds or stocks for my portfolio. Fidelity offers it all. July 1, 2014
Rated 5 out of 5 by Freedom of Choice Unlike a 401K through work, I like the fact that I can choose my own investments. I love the fact that I can choose stocks or even ETFs over mutual funds if I choose. There are few restrictions. January 31, 2014
Rated 5 out of 5 by Great customer service I love Fidelity products mainly because of Fidelity customer service. It does not matter which option you choose, chat, email, mail or phone they are all knowledgeable and helpful. I also love the ease and convenience of trading etc. January 28, 2014
Rated 5 out of 5 by Roth IRA Account My Roth IRA account allows me to trade with confidence and reliability. Trading costs are low and trades are handled quickly and efficiently. June 24, 2013
Rated 5 out of 5 by Easy and Accessible, Perfect for "Rookies" I am a working mom who wants to secure her family's future. I am not well-versed in financial matters, and I assumed there were no good options for a rookie like me. Fortunately, Fidelity proved me wrong! The site is easy to use, and best of all, I am not subject to ridiculous fees that can discourage small investors like me. Now, I transfer a small, set amount each month. And when I have a few extra dollars, my first thought is, "Oh, I can't wait to put this towards my IRA!" Thank you, Fidelity, for this opportunity to invest in my family and my future! March 8, 2013
Rated 4 out of 5 by Easy to manage. Worry free. I like the convenience of Fidelity. My agent is helpful and easy to work with. I wish I had stayed with Fidelity instead of straying to other firms. I am back now and very happy. January 24, 2013
Rated 5 out of 5 by Best Place for a Low-Cost Roth IRA For several years I have funded my Roth IRA with Fidelity and have been very pleased with the ease and convenience of managing my account on line and on my smartphone. Last month, I did something I should have done years ago -- I moved my Roth accounts that were being held by other firms into my Fidelity Roth IRA. Now, I am no longer paying custodial fees, and Fidelity offers an incredible array of investment options. I've long been a fan of Fidelity's low-cost mutual funds, and now they're offering 30 free ETF trades, which I'm already taking advantage of. For Roth IRA investment choices and low costs, Fidelity can't be beat. February 29, 2012
Rated 5 out of 5 by Roth IRA Your site is easy to navigate and it has been no problem to speak with someone when I have questions. January 31, 2017
Rated 4 out of 5 by Great User friendly, great layout on the mobile app. Setup was easy and fast. January 30, 2017
Rated 4 out of 5 by Roth IRA Great investment opportunities for retirement account January 30, 2017
Rated 4 out of 5 by Roth IRA easy to use, friendly. Great phone support. Can have any investments January 29, 2017
Rated 1 out of 5 by Means to transfer from IRA to RothIRA This site did not give the basic information needed. January 27, 2017
Rated 5 out of 5 by simple to use easy to navigate account pages. not overly complex screens/views. January 25, 2017
Rated 4 out of 5 by Easy to navigate I needed information about my accounts and assistance with completing some documents. The Representative was very helpful and walked me through the process. January 25, 2017
Rated 4 out of 5 by Satisfied So far I am satisfied with my investment and is meeting my current goals January 24, 2017
Rated 5 out of 5 by Roth IRA Made Easy Questions are quickly and easily handled. Researching investments is easy and allocating investments is easy. I haven't held a different Roth IRA, but I can't imagine this process being any easier to prepare for my retirement. January 24, 2017
Rated 5 out of 5 by A Great Investment I was surprised how easy it was to move all my accounts to Fidelity, including my Roth IRA. I've found that everyone is very helpful but that they also will leave me alone once I have an understanding of how to do something. I'm thinking of putting Stop Loss orders on each company I purchased. The gentleman took me through it over the phone for the first one and I did all the rest. January 24, 2017
Rated 5 out of 5 by RMD answers Got the answer I was looking for right away. Your web sight is still hard to deal with. January 21, 2017
Rated 5 out of 5 by Good program and easy to set up The Fidelity Roth IRA is easy to set up and easy to manage. I will highly recommend it to others. January 16, 2017
Rated 3 out of 5 by OK I have just rolled over my Roth 401k to this Fidelity account. Now the performance is sort of up to the returns of the Fidelity fund I have selected. So far Fidelity Service on this account has been good. January 10, 2017
Rated 5 out of 5 by Flexible and informative My Roth IRA gives me the ability to do more, and different types of investing than my traditional IRA or my 401K. January 10, 2017
Rated 5 out of 5 by Mrs Good investment selections. Prompt investment. great support January 9, 2017
Rated 4 out of 5 by easy to use A good investment program if you can afford to go past standard IRA contribution January 9, 2017
Rated 5 out of 5 by Fidelity Roth IRA = Great Value The Fidelity Roth IRA is a great value with a large selection of investments available. The web site is easy to use and navigate. Customer Service is always top notch January 9, 2017
Rated 4 out of 5 by it's been fine so far I have numbers on a screen, I have not yet attempted to convert those numbers into actual dollars (or whatever is of equivalent value). I'll let you know when I do. January 2, 2017
Rated 5 out of 5 by Easy Access and Secure My Fidelity Roth IRA is set up for easy reading and provides important information with easy access! January 2, 2017
Rated 5 out of 5 by Also as expected All trades go through in a timely fashion and at a reasonable cost. December 21, 2016
Rated 5 out of 5 by Secure and reliable Very easy to set up and even easier to perform conversions from a Traditional IRA to the ROTH. December 13, 2016
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