fidelity.com

Match your money to the moment

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We can help you save for college, a new home, or retirement.

I know what I want.

[

Open an account

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I need guidance.

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Start here

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You've got goals. We've got solutions.

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### Trading & investing

#### 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

](https://www.fidelity.com/trading/overview?ccsource=phpdefault)

### 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

](https://www.fidelity.com/retirement-ira/overview?ccsource=phpdefault)

### Spending & saving

#### 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

](https://www.fidelity.com/spend-save/overview?ccsource=phpdefault)

### 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

](https://digital.fidelity.com/prgw/digital/faa/0/landing-page?ccsource=phpdefault)

Review Fidelity Brokerage Services with [FINRA's BrokerCheck](https://brokercheck.finra.org/firm/summary/7784)

[Regulatory summary of Fidelity services (PDF)](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/FBS-FPWA-CRS.pdf)

Get started with some of our most popular accounts

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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.

### Brokerage account

#### DIY investing

Manage your own investments (stocks, ETFs, mutual funds, CDs, and more), with help from our free resources.

[Start trading](https://digital.fidelity.com/prgw/digital/easy/aolanding/getstarted?accountType=brokerage&ccsource=phpdefault)

[Learn more](https://www.fidelity.com/trading/the-fidelity-account?ccsource=phpdefault)

### Roth IRA

#### Tax-free growth1

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](https://digital.fidelity.com/prgw/digital/easy/aolanding/getstarted?accountType=rothIRA&ccsource=phpdefault)

[Learn more](https://www.fidelity.com/retirement-ira/roth-ira?ccsource=phpdefault)

### Rollover IRA

#### Transfer retirement funds

After a job change or if you're nearing retirement, consolidate your former 401(k) and workplace accounts into a single account without taxes or penalties.

[Get started](https://digital.fidelity.com/prgw/digital/aox/aohome/getstarted?accountType=rolloverIRA&ccsource=phpdefault)

[Learn more](https://www.fidelity.com/retirement-ira/401k-rollover-ira?ccsource=phpdefault)

Small investments could help your money grow

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**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 0.41% National savings account deposit rate as of February 18, 2025.\* 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 $95,752 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

**2024**

Rated #1 for Overall Broker

**2024**

Best Online Broker

**2023**

Why choose Fidelity?

--------------------

### Affordable accounts

We put you first by charging no fees or minimums to open a retail brokerage account2 to help you spend and save smarter.​

[More about minimums and fees](https://www.fidelity.com/why-fidelity/pricing-fees?ccsource=phpdefault)

### We are here to help

Our dedicated team of professionals are here to help when you need them.

[Call, chat, or come in](https://www.fidelity.com/customer-service/contact-us?ccsource=phpdefault)

### 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](https://www.fidelity.com/calculators-tools/all?ccsource=phpdefault)

Questions?

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[

Use our virtual assistant

](https://www.fidelity.com/customer-service/ask-us?ccsource=phpdefault)

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Chat

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