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

Reasons to consider a Roth IRA

  • Earnings grow federally tax-free.1
  • Tax-free withdrawals1
  • Tools, ideas, and strategies to help you prepare for your 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

2015 and 2016: $5,500 ($6,500 if age 50 or older)

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

$7.95 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.

Rated 4.3 out of 5 by 673 reviewers.
Rated 5 out of 5 by happy client i am very satisfied with my ira.i moved everything to fidelity just so i could have everything in one adviser is so helpful with this product and all fidelity products.He really does not try to push me into things I am cot comfortable with. November 22, 2015
Rated 5 out of 5 by Late Starter I moved my Roth to Fidelity because of the convenience I experienced with Fidelity servicing my 401k & Rollover IRA. I started late thinking about retirement. Fidelity has been there when I had questions and made it easy. I do my own research and trading but they provide so much excellent information in making my decisions. December 29, 2014
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 Fits My Needs Everything I could need in a Roth account done from the comfort of home over the internet. June 23, 2016
Rated 4 out of 5 by Secure So far so good. Reliable, very helpful when needed. Good customer Service. June 20, 2016
Rated 5 out of 5 by Very satisfied with Fidelity! I've been with Fidelity for 16+ years and I was always very satisfied with the customer support at Fidelity, if needed. June 20, 2016
Rated 4 out of 5 by Easy and convenient Very good platform for basic (U.S. equities, mutual funds) investments June 20, 2016
Rated 4 out of 5 by works for me very happy with it have been with fidelity a very long time June 20, 2016
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 3 out of 5 by Average Fidelity is an average brokerage. They do some things well, and some things poorly. It is really a matter of personal preference. June 20, 2016
Rated 4 out of 5 by Account Review Overall I recently moved this account back to Fidelity after being away for 5 years. I really enjoy the 24 hour customer service and the knowledgeable and friendly representatives. The variety of investments is nice (ETFs, Mutual Funds, etc) and I now have options trading capability. The trading commissions are reasonable. June 19, 2016
Rated 4 out of 5 by Good long term plan I like the options I have to invest in, for my Roth IRA. They allow me to spread risk by choosing multiple asset classes. The account works well for long term savings. The website allows me quick and easy access to view my account and investments, and make changes as necessary. June 13, 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 4 out of 5 by Please change how fees are paid I would like to be able to pay all fees out of one account. This is especially true for the Roth IRA account. Every fee I pay out of my Roth takes a bite out of my tax free income forever. I would like to pay those fees out of my brokerage account. I would even open a Fidelity checking account to pay the fees if that's what it took. June 10, 2016
Rated 5 out of 5 by great service and value thank you fidelity great to be part of the fidelity family June 8, 2016
Rated 3 out of 5 by I don't have the ability to transfer funds into my Roth electronically Unfortunately, Fidelity will not accept electronic fund transfers from my bank, which has been around since 1890. I did not find this out until I had transferred my 401k and Roth IRA's to Fidelity. The customer service folks are always friendly and willing to assist, however, I refuse to mail in a physical check to Fidelity to transfer funds. Forget it, I'll find someone else who will accept my money, based on today's standards of doing business. June 8, 2016
Rated 5 out of 5 by Account Executive Recommendation Set up after suggestion from my account manager while I was setting up a Rollover IRA. He recognized that I already had significant aftertax dollars in my 401K. June 8, 2016
Rated 3 out of 5 by using for Roth I am using Fidelity because of convenience. It is not worse than others available June 8, 2016
Rated 4 out of 5 by Roth IRA - Ability to Contribute After reviewing my portfolio the representative told me I could open a Roth IRA every year. I was unaware of this choice from my current adviser. May 31, 2016
Rated 4 out of 5 by Tax benefit I wish I could put more money into Roth IRA account before I retired. May 17, 2016
Rated 5 out of 5 by Tax free growth I like easy conversion process from Traditional to Roth IRA. May 17, 2016
Rated 5 out of 5 by Easy setup This account was easy to set up, and it is easy to review periodically online. I also like the ability to review all my accounts monthly on the consolidated statement. May 16, 2016
Rated 5 out of 5 by Choices & Convience I'm a solid Fidelity fan. Love having all my investments in one place. The web site is terrific. May 16, 2016
Rated 3 out of 5 by seems to do what it is supposed to do I chose a roth conversion to reduce future mandatory distributions and maybe have a partially tax free estate. May 1, 2016
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