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 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 receive no compensation in these situations—because it’s just the right thing to do!

Fidelity IRA vs Schwab IRA

Fidelity is a great option if you want A self-directed IRA at the largest provider of retirement accounts in the US with helpful customer support.

Consider Schwab if you want An easy-to-use, low-cost trading account from the broker that pioneered low-commission trades.

Fidelity IRA

Self-Directed

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Best if you wantA self-directed IRA at the largest provider of retirement accounts in the US with helpful customer support.
Fees0%
What they invest inStocks & ETFs, Mutual Funds, Options, Bonds
LimitationsFidelity’s fees on money market mutual funds (where you can put extra cash in your account) are a little higher than some peers.
Human advisor available?
Account Minimums$0
Ease of Use4 stars
Customer SupportGreat mix of call centers, online help and over 100 branches.
Additional Info

Read our full review

Learn more about Fidelity

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Schwab IRA

Self-Directed

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Best if you wantAn easy-to-use, low-cost trading account from the broker that pioneered low-commission trades.
Fees0%
What they invest inStocks & ETFs, Mutual Funds, Options, Futures, Bonds
LimitationsYou might earn a slightly lower return on extra cash in your account – Schwab’s default interest rate is lower than peers.
Human advisor available?
Account Minimums$0
Ease of Use4.5 stars
Customer SupportGreat mix of call centers, online help and over 340 branches.
Additional Info

Read our full review

Learn more about Charles Schwab

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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.