Roth IRA

A Roth IRA tin be a powerful way to relieve for retirement since potential earnings grow tax-free. Additionally, you don't have to pay taxes when you brand qualified withdrawals.1

With Fidelity, you have a broad range of investment options, including options to have us manage your coin for you. You'll go exceptional service equally well as planning and guidance back up.

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Step one: Ostend the Roth is right for you

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 whatever time, for any reason, without taxes or penalties.
Flexibility

As long as you take earned income (upwardly to the limit fix by the IRS), y'all can contribute to a Roth IRA.

Why you may want to consider other options

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


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Pace two: Decide if you want to manage the investments in your IRA, or accept u.s.a. exercise information technology for yous

Fidelity Roth IRA Fidelity Go® Roth IRA Fidelity® Personalized Planning & Advice Roth IRAtwo
Investment management
  • You are responsible for choosing and managing your investments
  • We cull and manage your investments using your goals and run a risk tolerance in this digital account
  • Nosotros choose and manage your investments using your goals and risk tolerance in this digital account
Planning & guidance
  • Access to robust planning tools, and back up from a Allegiance representative as needediii
  • Access to robust planning tools, and support from a Allegiance counselor every bit needed3
  • Access to robust planning tools plus ane-on-1 coaching from a dedicated team of Fidelity advisors3 on a multifariousness of fiscal topics
Minimums
  • No minimum to open an business relationshipfour
  • No minimum to open up an business relationship5
  • $25,000 investment minimum beyond Personalized Planning & Advice accountsvi
Fees
  • No business relationship4 or advisory fees with this type of retail account
  • Depending on which investments you cull, there may exist underlying fees
 Informational feefive
  • $0 for under $10,000
  • $3/mo for $10,000–$49,999
  • 0.35%/year for $fifty,000 and above
  • Invests in Fidelity mutual funds that practise not charge management fees or, with limited exceptions, fund expenses
  • 0.50%/year informational fee
  • Invests in Fidelity mutual funds that practice non accuse direction fees or, with limited exceptions, fund expenses
Support
  • Thought leadership, enquiry, 24/seven customer service
  • Idea leadership, inquiry, 24/seven customer service
  • Idea leadership, research, 24/seven customer service



Looking for a more easily-on arroyo? You might want to consider Fidelity® Wealth Services for your planning and investment management needs. Minimum investment is $l,000 for access to a team of advisors or $250,000 for a defended advisor. Learn more than

Don't forget these important steps

One time yous get your account ready, what'southward adjacent?

For a Allegiance Roth IRA: Make your outset contribution. Once your coin is in your IRA, you lot should get it invested. This is a very important step—investing is how your money has the potential to abound over time.

For a Fidelity Go® Roth IRA or Fidelity® Personalized Planning & Advice Roth IRA: Make your first contribution. Y'all don't demand to choose or manage your investments—we do that for you based on the data you gave the states.

If you use Fidelity Personalized Planning & Advice, yous might likewise want to prepare a coaching appointment and review your full financial moving-picture show. That'south why we're hither!