Investing for retirement

A world of possibilities awaits you in retirement. One key to help you achieve your dreams: Investing your cash so your savings have a chance to grow. We can help you get invested today, starting with one simple question:

Who do you want investing your IRA?

Help me manage my investments

From fully customized investing to single-fund solutions, Fidelity offers a host of professionally managed options.

See your options

I'll invest my IRA on my own

Select and manage your own portfolio of investments using a range of Fidelity investment options and tools.

See your options

Help me manage my investments

Fidelity can help build and manage a portfolio that fits your needs, in the way you prefer:

Advisory solutions

Robo advisor

With Fidelity Go®, answer a few questions online, and we'll build an investment strategy to meet your needs, becoming more conservative as retirement nears. All the while, we'll monitor the markets and rebalance your IRA when needed.

Personalized stock portfolios

With Fidelity Managed FidFolios℠, choose from 4 different investment objectives and let our team build and maintain a diversified stock portfolio for you. You can even personalize what you own by eliminating stocks or industries.

Wealth management

Team up with a dedicated advisor from Fidelity® Wealth Management who can provide customized planning and investment management that’s designed for your full financial picture.

Single-fund solutions

Target date funds

Get a diversified single-fund investment strategy with Fidelity Freedom® Funds. Just pick the target date fund that matches your planned retirement year—we've built a portfolio for that timeline and will reduce risk as retirement nears.

Asset allocation funds

With Fidelity Asset Manager® funds, choose a diversified single-fund strategy that can help make it easy to maintain a portfolio based on your risk tolerance.

Manage your own IRA investments

To help you personally invest and manage your IRA money, Fidelity offers a wide range of options to choose from, including:

Exchange-traded funds (ETFs)

Select a low-cost investing option that can provide diversification, tax efficiency, and broad market exposure, with options that include active equity, factor, sector, stock, and bond ETFs.

Mutual funds

Browse a wide variety of funds, including index funds, to suit any investing style—a practical and cost-efficient way to get a diversified mix of stocks, bonds, or short-term investments.


Invest in US stocks online with $0 trading commissions.**

Bonds and CDs

Choose from fixed-income options that can provide diversification, income, and tax efficiencies—and can help protect from stock market volatility.

See how your money could grow

The sooner you invest, the more your money has the opportunity to grow over time.

Monthly contribution

Investing account

FDIC-insured savings account

Minimum: Maximum:

Chart is a hypothetical comparison. Investing involves risk of loss and performance is not guaranteed.

  • How this chart works

    The hypothetical chart above illustrates the potential growth of an investment account assuming a 7% annual nominal investment growth rate vs a .42% National savings account deposit rate as of July 17, 2023*. This chart assumes estimated/average return rates stay constant over the course of the time horizon and that no withdrawals were taken. Taxes, fees, and inflation are not included. Unlike traditional FDIC savings accounts, investments accounts are subject to market risk and do not carry FDIC insurance to protect from loss. Each type of account has its own unique set of potential benefits and limitations that you should consider before deciding what type is right for you.

    Interact with the slider to increase or decrease the monthly contribution to discover how the money could grow in an investment account vs an FDIC savings account. The monthly contribution is how much you want to invest every month. In this chart it is set at $250, but you can move the slider from $1 to $1,000 to see how your contributions could grow over time. For example, a $250 monthly contribution in an investment account could grow to $304,993 in 30 years compared to $95,898 in a traditional savings account, using end of month compounding.

    This example is for illustrative purposes only and does not represent the performance of any security. The assumed rate of return is not guaranteed. Investments that have potential for a 7% rate of return also come with risk of loss. Past performance does not guarantee future results.

    *FDIC: National Rates and Rate Caps

Resources to help you invest your IRA

Fidelity Viewpoints®