Roth IRA

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Tax benefits	Any potential earnings grow tax-free and may not be taxed when you withdraw money in retirement.¹
Access to your money	You can withdraw your contributions at any time, for any reason, without taxes or penalties.
Flexibility	As long as you have earned income (up to the limit set by the IRS), you can contribute to a Roth IRA.

Tax benefits

Any potential earnings grow tax-free and may not be taxed when you withdraw money in retirement.¹

Access to your money

You can withdraw your contributions at any time, for any reason, without taxes or penalties.

Flexibility

As long as you have earned income (up to the limit set by the IRS), you can contribute to a Roth IRA.

Why you may want to consider other options

Roth IRAs have income limits: As your income increases, the amount you can contribute gradually decreases to zero. You can use our IRA Contribution Calculator or our Roth vs. traditional IRA comparison page to see what option might be right for you.

Step 2: Decide if you want to manage the investments in your IRA, or have us do it for you

	Fidelity Roth IRA	Fidelity Go^® Roth IRA
Investment management	You are responsible for choosing and managing your investments	We choose and manage your investments using your goals and risk tolerance in this digital account
Planning & guidance	Access to robust planning tools, and support from a Fidelity representative as needed²	Access to robust planning tools, and support from a Fidelity representative as needed²
Minimums	No minimum to open an account³	No minimum to open an account⁴
Fees	No account³ or advisory fees with this type of retail account Depending on which investments you choose, there may be underlying fees	Advisory fee⁴ $0 for under $10,000 $3/mo for $10,000–$49,999 0.35%/yr for $50,000 and above No additional underlying fees for investments (invests in zero expense ratio Fidelity mutual funds)
Support	Thought leadership, research, 24/7 customer service	Thought leadership, research, 24/7 customer service
	Get started	Get started
Looking for help with planning as well as investment management? You might want to consider Fidelity^® Personalized Planning & Advice.⁵ Minimum investment is $25,000 for access 1-on-1 financial coaching calls with Fidelity advisors.⁶ Learn more

*Married (filing separately) can use the limits for single individuals if they have not lived with their spouse in the past year.

Filing status	Modified adjusted gross income (MAGI)	Contribution limit
Single individuals	< $138,000	$6,500
	≥ $138,000 but < $153,000	Partial contribution (calculate)
	≥ $153,000	Not eligible
Married (filing joint returns)	< $218,000	$6,500
	≥ $218,000 but < $228,000	Partial contribution (calculate)
	≥ $228,000	Not eligible
Married (filing separately)^*	Not eligible	$6,500
	< $10,000	Partial contribution (calculate)
	≥ $10,000	Not eligible

Questions?

Step 1: Confirm the Roth is right for you

Why you may want to consider other options

Step 2: Decide if you want to manage the investments in your IRA, or have us do it for you

Don't forget these important steps

Helpful resources

Roth IRA Contribution Limits

Mutual Funds and Mutual Fund Investing - Fidelity Investments

Roth IRA

Questions?

Step 1: Confirm the Roth is right for you

Why you may want to consider other options

Step 2: Decide if you want to manage the investments in your IRA, or have us do it for you

Don't forget these important steps

Helpful resources