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 698 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 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 review happy so far, easy to use and check accounts daily. like the tools availble August 18, 2016
Rated 5 out of 5 by Roth IRA Great investment! Have been converting my IRAs to Roth IRAs for a few years,so taxes are paid up front. August 16, 2016
Rated 2 out of 5 by Lazy, Sloppy or Cheap The IRS recently stopped requiring information about cost basis in Roth accounts. You stopped providing cost basis in Roth accounts and those columns now show zeroes. How is one to know whether the asset is returning positive or negative results if the costs of say a DRIP is not shown. Lack of accurate information is a good reason to change financial organizations. Are you being cheap, lazy or did someone not think this through. August 15, 2016
Rated 4 out of 5 by Straightforward I have found the Fidelity Roth IRA product to be a helpful tool in my overall portfolio. Balancing tax-free growth and up-front tax deductible growth is a important part of my retirement planning. Setting an appt. with an advisor was straightforward and he made it easy to move my old Roth 401k to an Roth IRA. August 9, 2016
Rated 1 out of 5 by Roth IRA review Since opening the Roth IRA, I haven't invested the balance in any way. I do not know how to go about researching investment opportunities and do not know how to actually make a transaction. August 9, 2016
Rated 5 out of 5 by Great Support Staff I appreciate the great support staff who reach out to me and help with any questions or changes. August 9, 2016
Rated 4 out of 5 by Easy to Manage The Roth IRA is an easy method of securing an investment that rolled over from a previous 401K account. August 7, 2016
Rated 5 out of 5 by Secure and reliable survey I have been very pleased with using the services and seeking the advice of the Fidelity personnel August 1, 2016
Rated 5 out of 5 by Roth IRA It is working our very well for me and will be of benefit as I move toward my RMD strategy. August 1, 2016
Rated 3 out of 5 by just ok nothing special about this account-i did it all on m own July 29, 2016
Rated 2 out of 5 by Frustrated This system is frustrating. I try calling and get nowhere. I just want to access my account. July 28, 2016
Rated 5 out of 5 by Easy to set up I rolled over a company 401K plan into a traditional and Roth IRA. I received excellent advise and they helped make the process easy. July 27, 2016
Rated 4 out of 5 by roth ira I have had no issues or problems with trades and the research and articles have been very helpful. July 25, 2016
Rated 5 out of 5 by Safe, Easy & Reliable I am very pleased and happy with my Roth IRA. The website is easy to navigate and use. I appreciate all the safeguards Fidelity has put in place to keep your personal and financial information safe. I would definitely recommend this program to others. July 25, 2016
Rated 2 out of 5 by Great Site, Service but expensive I like the service porvided except that my commissions for mutual funds are higher than my previous brokerage. July 23, 2016
Rated 3 out of 5 by Helpful in the beganining, but not when I setup my second account Fidelity was helpful in the beginning, but then not helpful when July 19, 2016
Rated 5 out of 5 by FidIRA Above rating says it all!! My experience has been uniformly pleasant and informative !! July 18, 2016
Rated 5 out of 5 by Easy to administer I am very happy with Fidelity. Online access is the plus point for me. July 18, 2016
Rated 5 out of 5 by Roth IRA Opening the account online was a smooth and secure process. Auto transfer of funds make it easy to invest whenever and wherever with account updates available using the app from my phone. Excellent online information about performance on companies I am interested in investing with. It is nice speaking to competent people by phone when needed. July 18, 2016
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