Explore account options

Our different account types can help you save, trade, and invest for your goals

Fidelity® Cash Management Account (FCMA)

I want to manage my cash with features of a traditional checking account, without a bank.

  • Save
  • Spend
  • Invest on my own
  • No account fees or minimums

Fidelity Account®

I want a low-cost brokerage account to help meet my trading needs as I grow as an investor.

  • Invest on my own
  • $0 commission for online US stock, ETF, and option trades1
  • Dollar-based investing
  • No account fees or minimums to open2

Traditional IRA

I want to reduce my taxable income.

  • Contributions may be tax-deductible
  • Earnings grow tax-deferred
  • Pay taxes when you withdraw
  • No account fees or minimums to open2

Roth IRA

I want tax-free withdrawals.

  • Contribute already-taxed money
  • Let potential earnings grow tax-free
  • No account fees or minimums to open2

Fidelity Go®

I want to invest, for retirement or another long-term goal, and want it managed for me.

  • Managed-for-me investing
  • $0 minimum to open
  • Tiered pricing based on account balance

Rollover IRA

I want to consolidate my former workplace retirement accounts.

  • Invest on your own or have Fidelity do it for you–it's up to you
  • Fees and minimums vary based on the account type you choose

1. $0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs) and options (+ $ 0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). There is an Options Regulatory Fee (from $0.03 to $0.05 per contract,) which applies to both option buy and sell transactions. The fee is subject to change. Other exclusions and conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are subject to different commission schedules.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request.

2. Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.

Explore more ways you can invest with Fidelity

Start investing for your goals

visuals of screens of the Spire app