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
  • 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
  • Dollar-based investing
  • $0 commision for online US stock, ETF, and option trades
  • No account fees or minimums to open1
Traditional IRA

I want to save for retirement while reducing my taxable income.


  • Contributions may be tax deductible
  • Earnings grow tax deferred
  • Pay taxes when I withdraw
  • No account fees or minimums to open1

Roth IRA

I want to save for retirement and get tax-free withdrawals down the road.


  • Contribute already-taxed money
  • Potential earnings grow tax free
  • No account fees or minimums to open1
Rollover IRA

I want to consolidate my former workplace retirement accounts.


  • Invest on my own or have Fidelity do it for me
  • Fees and minimums vary based on the account type
Fidelity Go®

I want to invest for a long-term goal (3 years or more away), including retirement, and want Fidelity to manage my money for me.


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

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

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