Explore account options

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



Whether saving for a big purchase or trading stocks, ETFs, and mutual funds, having a dedicated account to store money for your goal can help you stay focused and on track.



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 trades
  • Dollar-based investing
  • No account fees or minimums to open1

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 open1



Roth IRA


I want tax-free withdrawals.


  • Contribute already-taxed money
  • Let potential earnings grow tax-free
  • No account fees or minimums to open1

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. 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 (PDF)

Start investing for your goals

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