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Investment-Only Retirement Accounts for Small Business

An Investment-Only Retirement Account is also known as the Fidelity Non-Prototype Account. This brokerage account is for small businesses that have qualified plans for which they would like to expand the investment options to include offerings from Fidelity.

Plan features

May be appropriate for

Small businesses or self-employed individuals with qualified plans, for which they wish to use Fidelity as an investment provider only

Fees*

No account setup fee or annual maintenance fees

Administrative
responsibilities

The retirement plan administrator or trustee handles the plan's recordkeeping and tax reporting services.

Withdrawals

Only plan trustees can request distributions from the account.

Other transactions

The plan trustee has full authority to transact on the account.

Limited trading authority may be given to participants or agents, such as third-party administrators.

Investment options

Include a wide range of Fidelity and non-Fidelity mutual funds, stocks, bonds, ETFs, and FDIC-insured CDs

Next step

Download a Fidelity Investment-Only Retirement Account application. Call 800-544-5373 and select option 3 to speak with a small-business retirement specialist.

Additional information

Investment-only retirement account withdrawal form (PDF)
For trustees of existing Investment-Only Retirement Accounts: use this form to make withdrawals.

Guidance provided by Fidelity is educational in nature, is not individualized and is not intended to serve as the primary or sole basis for your investment or tax-planning decisions.
*Fund expenses and brokerage commissions still apply. Depending on your situation, fees may include low-balance fees, short-term trading fees and account closing fees.
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