Investing for retirement
If you want to make your own investment decisions about your IRA, here are 3 simple steps to consider as you look to get started.
1. Select and fund your IRA
We offer retirement account options designed to help meet your needs. We can even help you roll money over from an existing workplace plan. For retirement accounts where you make all your own investment decisions, there are no account fees or minimums.1
Traditional IRA
Defer paying taxes now to potentially grow your savings faster.
Roth IRA
Enjoy tax-free growth potential and tax-free withdrawals.2
Rollover IRA
An option for consolidating any former workplace plans.3
2. Invest your money
When it comes to goals like retirement, don't underestimate the need for growth. If you're looking to help your savings last, chances are you'll need to grow your money. A mix of investments that aligns with your comfort with risk and your plan for retirement could provide that growth.
Investment strategies to consider
Fidelity Freedom® Funds
Single-fund strategy
Fidelity Freedom® Funds are single-fund investment strategies that can help take the guesswork out of building and maintaining a retirement portfolio based on the year you expect to retire. You can use our interactive tool to help choose a fund.
Multi-fund strategy
Building your own portfolio
If you want to invest your retirement savings in a diversified portfolio of mutual funds, we can help. We can help you select a portfolio appropriate for your comfort level with risk, and then you'll be responsible for making sure that mix remains aligned to your goal.
Starting to save at age 25 vs. age 35

The benefits of starting early and contributing regularly
We understand that life gets busy. And sometimes things—even important things—fall by the wayside. When it comes to saving for retirement, that can cost you in the long term. That's why it's a good idea to set up automatic contributions.
This hypothetical example shows how consistent contributions to your retirement accounts, and investing those contributions, can be a smart way to keep your money working for you, which could increase your return potential and give you a better chance of reaching your goal.
Not sure about investing for retirement on your own?
We can work with you to create a plan, then professionally manage your investments for you.
3. Build a free retirement plan around what matters to you4

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Once you open an account, you can use our digital planning tools to set goals, build a plan, track your progress, and get actionable next steps. And if you want to make changes you can do that at any time, with no obligations.
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Traditional IRA
Defer paying taxes now to potentially grow your savings faster.
Roth IRA
Enjoy tax-free growth potential and tax-free withdrawals.2
Rollover IRA
An option for consolidating any former workplace plans.3