Fidelity IRA: Fee-Free Retirement Investing with Global Reach
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Fidelity IRA: Fee-Free Retirement Investing with Global Reach
Fidelity offers robust IRA options—including Traditional, Roth, SEP, SIMPLE, Rollover, and even Crypto-enabled accounts.
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Fidelity IRA: Fee-Free Retirem...
What Is Fidelity IRA?
Fidelity IRAs allow you to save for retirement using tax-advantaged accounts and a self-directed brokerage or managed robo-service.
From Traditional and Roth IRAs to small-business options like SIMPLE and SEP, Fidelity supports a broad range of investor needs—all with no minimums or account opening fees. Fidelity even offers crypto-enabled IRA options for advanced investors.
Fidelity IRA Overview
| IRA Type | Best For | Minimum Balance | Fees | Get Started |
|---|---|---|---|---|
| Self-Directed IRAs | Fully in control of your investments | $0 | $0 account fee; standard trading fees apply | Visit Website |
How Fidelity IRA Works
With $0 account fees, customizable investment choices, and access to expert guidance—making it a top choice for DIY and hands-off investors alike.
- Open your preferred IRA type at Fidelity with no minimum or account fees. :contentReference[oaicite:2]{index=2}
- Choose between building your own portfolio via Fidelity’s brokerage or using Fidelity Go managed investing. :contentReference[oaicite:3]{index=3}
- Fund the account and start trading commission-free, including Roth, Traditional, SIMPLE, SEP, and crypto options. :contentReference[oaicite:4]{index=4}
Key Features & Benefits
| Feature | Benefit |
|---|---|
| No Account Fees or Minimums | Open any IRA type with zero upfront cost. |
| Commission-Free Trades | $0 commissions for online U.S. stocks, ETFs, and options (options carry $0.65/contract fee). |
| Wide Investment Selection | Trade stocks, ETFs, mutual funds (including ZERO funds), bonds, CDs, and crypto-enabled IRAs. |
| Choice of Self-Directed or Robo Service | Use Fidelity Go with $0 advisory fee under $25K, or go DIY with powerful tools. |
| Expert Support & Planning Tools | Access guidance via phone, chat, or in person, plus retirement planning calculators and tools. |
Who Is It For?
- DIY investors wanting full control over IRA portfolios
- Beginners who prefer a low-cost, automated investing solution with Fidelity Go
- Small business owners and entrepreneurs needing SEP or SIMPLE IRAs
- Blockchain-savvy investors interested in crypto IRAs
Pricing & Fees
- Account Fees: $0 to open or maintain
- Trading Commissions: $0 for stocks, ETFs; $0.65 per options contract
- Managed IRA (Fidelity Go): $0 advisory if balance below $25K; ≥$25K – 0.35% annually
- Mutual Funds: Fidelity and most NTF funds $0; fees may apply for certain non-Fidelity funds
Trust & Security
- Offered by Fidelity Brokerage Services LLC, member FINRA and SIPC.
- SIPC protection up to $500,000 per brokerage account
- Robust security features including encryption and multi-factor authentication
FAQs about Fidelity IRA
Is there a minimum balance to open a Fidelity IRA?
No—Fidelity IRAs have no minimum balance requirements. You can start with as little as $1. :contentReference[oaicite:13]{index=13}
Can I use Fidelity Go with my IRA?
Yes—Fidelity Go offers automated investing with $0 fee for balances under $25K and 0.35% over that amount. :contentReference[oaicite:14]{index=14}
Does Fidelity support crypto investments in IRAs?
Yes—Fidelity offers crypto-enabled Traditional, Roth, and Rollover IRAs via Fidelity Digital Assets. :contentReference[oaicite:15]{index=15}
Open Your IRA with Fidelity
Whether you want to manage your own investments or enjoy expert-backed automation, Fidelity IRA accounts deliver flexibility, low cost, and exceptional tools to help you meet retirement goals.
| Account Types | Retirement |
|---|---|
| Advisory Style | Fully Automated |
| Features & Access | Savings Automation |
| Fees & Pricing | % of Assets |
| Investment Options | ETFs, Stocks |
| Minimum Deposit | $0 Minimum |
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