Roth IRA

A Roth IRA can be a powerful fashion to salve for retirement since potential earnings abound taxation-complimentary. Additionally, you lot don't have to pay taxes when you lot make qualified withdrawals.1

With Fidelity, y'all have a broad range of investment options, including options to accept us manage your money for y'all. You'll get exceptional service likewise equally planning and guidance support.

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Footstep i: Ostend the Roth is correct for you

Revenue enhancement benefits

Any potential earnings grow taxation-free and may not be taxed when yous withdraw money in retirement.1

Admission to your coin

You can withdraw your contributions at whatsoever time, for whatever reason, without taxes or penalties.
Flexibility

As long as you take earned income (up to the limit set past the IRS), y'all can contribute to a Roth IRA.

Why you may want to consider other options

Roth IRAs have income limits: Equally your income increases, the amount you lot can contribute gradually decreases to zero. You tin employ our IRA Contribution Reckoner or our Roth vs. traditional IRA comparison folio to meet what option might be right for you lot.


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Step 2: Decide if you want to manage the investments in your IRA, or have us do information technology for you

Fidelity Roth IRA Fidelity Become® Roth IRA Fidelity® Personalized Planning & Advice Roth IRA2
Investment management
  • You are responsible for choosing and managing your investments
  • We cull and manage your investments using your goals and hazard tolerance in this digital business relationship
  • We choose and manage your investments using your goals and risk tolerance in this digital business relationship
Planning & guidance
  • Admission to robust planning tools, and support from a Allegiance representative as needed3
  • Access to robust planning tools, and support from a Fidelity counselor as needed3
  • Admission to robust planning tools plus i-on-1 coaching from a defended team of Allegiance advisorsthree on a variety of financial topics
Minimums
  • No minimum to open an accountfour
  • No minimum to open an business relationship5
  • $25,000 investment minimum across Personalized Planning & Communication accounts6
Fees
  • No account4 or advisory fees with this type of retail account
  • Depending on which investments you lot choose, there may be underlying fees
 Advisory fee5
  • $0 for nether $x,000
  • $3/mo for $x,000–$49,999
  • 0.35%/yr for $50,000 and higher up
  • Invests in Fidelity mutual funds that do not charge direction fees or, with limited exceptions, fund expenses
  • 0.50%/twelvemonth informational fee
  • Invests in Allegiance mutual funds that practice not charge management fees or, with limited exceptions, fund expenses
Support
  • Thought leadership, research, 24/7 client service
  • Thought leadership, inquiry, 24/7 customer service
  • Thought leadership, research, 24/7 customer service



Looking for a more easily-on approach? Yous might desire to consider Fidelity® Wealth Services for your planning and investment management needs. Minimum investment is $50,000 for access to a squad of advisors or $250,000 for a dedicated advisor. Learn more than

Don't forget these important steps

In one case you go your account gear up, what's next?

For a Fidelity Roth IRA: Make your start contribution. Once your coin is in your IRA, yous should get it invested. This is a very important step—investing is how your coin has the potential to grow over time.

For a Fidelity Go® Roth IRA or Allegiance® Personalized Planning & Advice Roth IRA: Make your first contribution. You don't need to choose or manage your investments—we do that for yous based on the information y'all gave us.

If yous use Fidelity Personalized Planning & Advice, y'all might as well desire to set up a coaching appointment and review your full fiscal picture. That's why we're here!