Investment-only retirement accounts for small businesses

An investment-only retirement account is a brokerage account for small businesses that have qualified plans would like to expand the investment options to include offerings from Fidelity.

With Fidelity, you have no account fees, no minimums to open an account, and you'll get exceptional service.1 Fees from your third-party administrator (TPA) may apply.

target
Key things to know

Who is eligible

Self-employed individuals or small-business owners who have a separate plan established and would like to invest the plan assets at Fidelity. That includes those self-employed or small-business owners with or without employees, who wish to use Fidelity only as an investment provider.

Tax benefits

Information on tax benefits, who is eligible to contribute, contribution amounts, and deadlines is not available through Fidelity.2 You should consult with your tax advisor or the plan document provider for the details about the type of plan you have.

Who contributes

This information is not available through Fidelity.2 You should consult with your tax advisor or the plan document provider for the details about the type of plan you have.

Contribution
amounts

This information is not available through Fidelity.2 You should consult with your tax advisor or the plan document provider for the details about the type of plan you have.

Withdrawals

Only plan trustees can request distributions from the account. The plan trustee has full authority to transact on the account. Limited trading authority is an option and may be given to participants or agents, such as third-party administrators.

Investment
options

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

Fees

No account fees or minimums to open Fidelity retail IRA. (Fees from your TPA may apply).1

Administrative
responsibilities

Fidelity provides a brokerage account for your plan so that you can make investment decisions according to the plan's requirements. You are responsible for selecting a type of retirement plan and a document provider. You should adopt the plan and then work with your accountant or tax advisor to understand your responsibilities.

Deadlines

This information is not available through Fidelity.2 You should consult with your tax advisor or the plan document provider for the details about the type of plan you have.

How to make
contributions

Fidelity can accept contributions through a variety of methods; however, you should speak to your tax advisor about the amount and timing of contributions based on the type of plan you established.

Ready to get started?

icon_mobile_white
For all small-business plans, call us at
800-544-5373