Does Fidelity have IRA?
IRAs | IRA Account Options, Benefits, & Investment Guidance | Fidelity
Aug 2, 2019

Retirement and IRAs. Save for retirement with a Fidelity IRA and get access to our broad range of investment options, exceptional service, planning tools, and investment guidance – with no account fees and no minimums to open an account….(read more)

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Fidelity Investments, one of the largest investment firms in the world, offers various investment accounts including IRA or Individual retirement account. In this article, we will explore Fidelity’s offering of IRA, the different types available, and the benefits of having an IRA with Fidelity.

Fidelity’s IRA options include Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, and Simple IRA. The Traditional IRA is a tax-deferred retirement account where you contribute pre-tax dollars and pay taxes when you withdraw the money during retirement. The Roth IRA is also a retirement account but with after-tax dollars, and qualified withdrawals are tax-free. On the other hand, a Rollover IRA is used to roll over money from an employer-sponsored retirement plan like a 401(k) or a 403(b). SEP IRA, or Simplified Employee Pension IRA, is for self-employed individuals or small business owners to contribute to their retirement account. Lastly, the Simple IRA is similar to SEP IRA but it’s designed for businesses with fewer than 100 employees.

Fidelity’s IRA accounts offer various benefits to help individuals save for their retirement. For instance, the Traditional IRA can lower your taxable income, while Roth IRA offers tax-free withdrawals. Fidelity provides investment options for IRA accounts like mutual funds, stocks, bonds, and ETFs. Additionally, Fidelity offers a net-basis calculator to help IRA account holders know their after-tax returns on their investments.

Another benefit of having an IRA with Fidelity is its online tools and resources. Account holders can access Fidelity’s retirement planning tools, articles, calculators, and videos to help with retirement planning. Furthermore, Fidelity’s customer service is available 24/7, which accommodates everyone’s busy schedule.

Opening an IRA with Fidelity is a straightforward process. Fidelity’s website offers an easy-to-follow guide to open an IRA account online. Account holders can also visit Fidelity offices or call its customer service for assistance. Fidelity’s IRA accounts do not have any account opening or maintenance fees, but there may be some trade commissions and account management fees.

In conclusion, Fidelity offers IRA accounts that cater to individuals’ different retirement needs. Its online resources and investment options make it more accessible and convenient to save for retirement. By opening an IRA with Fidelity, individuals can take advantage of its benefits, financial tools, and resources to help them plan for their retirement.