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Partnership Disclosure
We might be compensated by one of our IRA partners for an account you open through our platform. This helps us keep the rollover service free, but it never impacts the fees you’ll pay on your new account. We only win if you do, and our job is to help you simplify your retirement accounts. We also help people who already have an IRA account even though we might receive no compensation in these situations—because it’s just the right thing to do!

Fidelity IRA Review 2024: Features, Fees, and More

Updated on May 2, 2024

Learn about our Editorial Process

Key Takeaways
  • A Fidelity IRA offers access to a wide range of low-cost investment options through a user-friendly platform.
  • Fidelity’s fees on money market mutual funds are slightly higher than some peers.
Consolidate all of your old 401(k)s into a Fidelity IRA.
Start your 401(k) rollover to a Fidelity IRA in just a few minutes.

Fidelity Self-Directed IRA Snapshot

Best if you want
A self-directed IRA at the largest provider of retirement accounts in the US with helpful customer support.
What you can invest in
A wide selection of commission-free ETFs from Fidelity, iShares and other industry leaders.
Fidelity's fees on money market mutual funds (where you can put extra cash in your account) are a little higher than some peers.
Account minimum
Ease of Use
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4 stars
Checkmark Pros

• Wide selection of low-cost investment options
• Ultra user-friendly online platform
• Access to research and financial education tools

Checkmark Cons

• Higher fees on some money market mutual funds compared to peers

Ready to take control of your assets?
Capitalize helps you consolidate your old 401(k)s by rolling them into an IRA of your choosing. Use an existing IRA if you have one, or we’ll help you open one if you don’t.

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Merrill Lynch