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Site navigation Fidelity.com Home Customer Service Profile Open an Account Virtual Assistant Log In Customer Service Profile Open an Account Virtual Assistant Log Out AccountsTrade Portfolio Log In Required Portfolio Account Positions Log In Required Account Positions Trade Log In Required Trade Trading Dashboard Log In Required Trading Dashboard Active Trader Pro Transfers Cash Management Log In Required Cash Management Bill Pay Log In Required Bill Pay Full View Log In Required Full View Security Settings Log In Required Security Settings Account Features Log In Required Account Features Documents Log In Required Documents Fidelity Alternative Investments Program Log In Required Tax FormsInformation Retirement Distributions Log In Required Fidelity Rewards+ Log In Required Fidelity Rewards+ Log In Required New Account Checklist Log In Required Lending Solutions Line of Credit Log In Required Refer a Friend PlanningAdvice What We Offer Build Your Free Plan My Goals Financial Basics Building Savings Robo Investing Plus Advice Wealth Management Find an advisor Retirement Life Events SavingInvesting for a Child Charitable Giving Life InsuranceLong Term Care Planning NewsResearch News Wealth Management Insights Watchlist Log In Required Quotes Quotes Alerts Log In Required Mutual Funds Stocks Crypto Fixed Income, BondsCDs ETFs Options MarketsSectors IPOs Annuities Learn Products RetirementIRAs SpendingSaving InvestingTrading Mutual Funds Crypto Direct Indexing Fixed Income, BondsCDs ETFs Options Sustainable Investing Managed Accounts 529 College Savings Health Savings Accounts Annuities Life Insurance Why Fidelity The Fidelity Advantage PlanningAdvice Trading Straightforward Pricing InsightsTools SecurityProtection FDICSIPC Coverage Marketplace Solutions About Fidelity Careers Customer Service Profile Open an Account Virtual Assistant Log In Customer Service Profile Open an Account Virtual Assistant Log Out Log In Open an Account Open an Account Log Out Invest today and plan for tomorrow We can help you get started. I know what I want. Open an account I need guidance. Start here You've got goals. We've got solutions. Spendingsaving Do more with your money Fidelity cash management products help you spend and save smarter so you can reach your goals. Start managing your cash Tradinginvesting Invest the way you want to Whether you are an active trader or investing in the future, we can help you reach your goals. Learn about investing Retirement Your future starts now Whether you want to manage retirement planning on your own or have us guide you, we’re here to help along the way. Start retirement planning Wealth Management Work with a dedicated advisor We'll partner with you on a customized plan designed to help grow and protect your wealth. Connect with an advisor Review Fidelity Brokerage Services with FINRA's BrokerCheck Regulatory summary of Fidelity services (PDF) Get started with some of our most popular accounts Whether you want to invest on your own, or have us do the work, we have account choices for you. And we’ve got tools and resources to help along the way. Advance left Clicking this control will navigate one card to the left. Advance right Clicking this control will navigate one card to the right. Brokerage account DIY investing Manage your own investments (stocks, ETFs, mutual funds, CDs, and more), with help from our free resources. Start trading Learn more Roth IRA Tax-free growth 1 With a Fidelity Roth IRA, you get the flexibility to save for retirement, while balancing your long-term goals with your short-term needs. Get started Learn more Fidelity Go ® Robo investing Our robo advisor will handle your investments, so you don’t have to. Automated investing with no account minimums. 2 Get started Learn more close Retirement IRAs Rollover IRA Open rollover IRA account now Roth IRA Open ROTH IRA account now Traditional IRA Open traditional IRA account now InvestingTrading Brokerage Account Open brokerage account now SpendingSaving Cash Management Account Open cash management account now See all accounts Small investments could help your money grow 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 0.46% National savings account deposit rate as of April 15, 2024.* 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, investment 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 $96,486 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 Best Online Broker for Beginning Investors 2023 Rated #1 for Overall Broker 2023 Best Online Broker 2023 Why choose Fidelity? Affordable accounts We put you first by charging no fees or minimums to open a retail brokerage account 3 to help you spend and save smarter.​ More about minimums and fees We are here to help Our dedicated team of professionals are here to help when you need them. Call, chat, or come in Tools for every solution From managing your everyday finances to planning for your child’s college education, we offer support to help you plan. See all tools Questions? Use our Virtual Assistant Chat Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money. 1. For a distribution to be considered qualified, the 5-year aging requirement has to be satisfied, and you must be age 59 ½ or older or meet one of several exemptions (disability, qualified first-time home purchase, or death among them). 2. There is no minimum amount required to open a Fidelity Go account. However, in order for us to invest your money according to the investment strategy you've chosen, your account balance must be at least $10. 3. 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. The Fidelity Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as a customer's main account for securities trading. Customers interested in securities trading should consider a Fidelity Account ® . Fidelity Go ® provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a...