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 Convenient & User Friendly The site is easy to navigate and everything works reliably. The few times I've contacted live customer service the wait time was short and they made SURE they answered my questions. I'd recommend Fidelity without hesitation. June 26, 2013
Rated 4 out of 5 by Simple, easy, affordable I like the Roth IRA account I have with fidelity. It provides me with a simple and practical way to save for my retirement. I love the no load mutual funds with very low operating costs. June 26, 2013
Rated 5 out of 5 by Seems Okay To Me It's a Roth. I'm a self-directed investor. Works pretty well. Trade price could be cheaper. June 26, 2013
Rated 4 out of 5 by Good overall value Easy, good web site, good communications, good fund options June 26, 2013
Rated 4 out of 5 by Roth account Dependable and secure; easy to manage. It is very convenient. June 26, 2013
Rated 4 out of 5 by Perfect, but... It's absolutely horrible how inadequate Fidelity's security measures are. I can't believe that I am prohibited from using characters such as !@#$%^ in my password. Moreover, I'm astonished that Fidelity doesn't provide two-step verification. If Fidelity does not strengthen its security, I will go to a firm that uses modern security measures. June 26, 2013
Rated 5 out of 5 by best Roth The products that are offered are the best, from a self directed brokerage account to individual funds. June 26, 2013
Rated 5 out of 5 by HR Manager I really like that I can check on my Roth IRA when I check into my 401(k) account. Everything is in one place and is easy to read. I get notification whenever my once a month deposit goes in, I can't ask for anything more - well, except for a higher return! June 26, 2013
Rated 5 out of 5 by Love Fidelity! I love the electronic tools available through Fidelity - website, iPad app etc.....also Fidelity Customer Support is superior to other brokerage firms I have used in the past. These were my deciding factors in moving most of my investments to Fidelity. I like that I can access my information anytime, anywhere, reliably and if I need help, I can call someone who 'gets it' and can help me! Thank You, Fidelity! June 26, 2013
Rated 2 out of 5 by Poor features There are better accounts out there with lower transaction costs per trade. There are also better accounts that actually calculate time weighted and money weighted returns of the whole portfolio. This is a very basic feature for any investment account. June 26, 2013
Rated 5 out of 5 by Roth Review The best feature of the Fidelity Roth IRA is the vast choice of investment products. June 26, 2013
Rated 1 out of 5 by Dissapointed It is disappointing and inconsistent that one cannot trade online in a foreign market through a retirement IRA . You are forced to go through a broker and pay higher fees. Also, when I rolled over a 401K into a Fidelity IRA I was never told or offered 200 free trades........something I saw advertised the day after I opened the rollover. This speaks for itself. Sorry but true. I am looking for a new broker. June 25, 2013
Rated 3 out of 5 by Roth IRA The website is user friendly, but I don't get the information that I need from customer service. June 25, 2013
Rated 5 out of 5 by Could be easier to use website I do like being able to see my cost basis & current price of stock when I open my account. I would also like ability to see current/filled orders for stocks, from that first page. also would like ability to refresh stock price from same page when considering a trade. Thanks. June 24, 2013
Rated 5 out of 5 by retire soon I am always pleased with all Fidelity interaction and help June 24, 2013
Rated 4 out of 5 by Flexible I enjoy the flexibility that Fidelity Roth IRA's offer. I appreciate the fact that investment research is available and easy to access. June 24, 2013
Rated 5 out of 5 by Friendly and Trustworthy I was happy to have learned during the course of my meeting so as to be more knowlegeable about handling my finances in the future. June 24, 2013
Rated 5 out of 5 by Total return I would like an easy way to view the total return both including dividends, and not including dividends, for each position. June 24, 2013
Rated 4 out of 5 by no complaints here I have enjoyed using Fidelity's services. The web site is easy to navigate and the research tools are adequate. June 24, 2013
Rated 5 out of 5 by 5 stars all sections I found that working with Fidelity's office is fast & enjoyable & always look forward to my visits.No matter who I see the experience is painless. June 24, 2013
Rated 4 out of 5 by Like all Fidelity accounts Good research tools and a range of no-load, no-fee investment options. June 24, 2013
Rated 4 out of 5 by Fid Roth The Roth account works well with my personnal and retirement accounts with Fidelity. The web site is the easiest to become aquainted with and information is accessable in many different forms. June 24, 2013
Rated 4 out of 5 by Good Love the Fidelity website, and customer service is excellent. On the down side, transaction fees for mutual funds are significantly higher than your competitors. Your lineup of NTF funds is also much more limited than several competitors. June 24, 2013
Rated 5 out of 5 by secure The most convenient account for the pre-retirement period June 24, 2013
Rated 5 out of 5 by IRA rules I got the answer I wanted about MRD's right here right away. Great information. June 7, 2013
Rated 5 out of 5 by Just opened a Roth IRA I just opened a Roth IRA to balance my retirement portfolio. Setting up the account was a breeze. The only thing I had trouble with was locating how I can set up automatic contributions to the account online. However, a quick 5 minute phone call to a friendly representative quickly answered my inquiry. Glad I selected Fidelity. May 16, 2013
Rated 4 out of 5 by Awesome Great customer service. Easy setup, and plenty of investment options. When I started I had a small concern with my account, the customer service rep couldn't have been friendlier. I'm excited about investing with my Roth IRA. April 2, 2013
Rated 4 out of 5 by Good Options Wide selection of investment choices, but more NTF funds would improve the value added to each customer. I'm considering consolidating my retirement accounts at Fidelity. February 16, 2013
Rated 5 out of 5 by Very happy with Fidelity I like Fidelity's research tools, portfolio analysis and planning, and website layout. February 10, 2013
Rated 5 out of 5 by Reliable and good offering of Funds from Fidelity I like how I can view multiple accts at once. It makes studying your whole portfolio easy. February 7, 2013
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