Who Can Put Money In A Roth Ira

Retirement & IRAs Overview

Roth IRA

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

With Fidelity, you have a broad range of investment options, including options to have us manage your money for you. You'll get exceptional service as well as planning and guidance support.

Step 1: Confirm 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 any time, for any reason, without taxes or penalties.
Flexibility	As long as you have earned income (up to the limit set by the IRS), you can contribute to a Roth IRA.

Why you may want to consider other options

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

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

	Fidelity Roth IRA	Fidelity Go^® Roth IRA	Fidelity^® Personalized Planning & Advice Roth IRA²
Investment management	You are responsible for choosing and managing your investments	We choose and manage your investments using your goals and risk tolerance in this digital account	We choose and manage your investments using your goals and risk tolerance in this digital account
Planning & guidance	Access to robust planning tools, and support from a Fidelity representative as needed³	Access to robust planning tools, and support from a Fidelity advisor as needed³	Access to robust planning tools plus 1-on-1 coaching from a dedicated team of Fidelity advisors³ on a variety of financial topics
Minimums	No minimum to open an account⁴	No minimum to open an account⁵	$25,000 investment minimum across Personalized Planning & Advice accounts⁶
Fees	No account⁴ or advisory fees with this type of retail account Depending on which investments you choose, there may be underlying fees	Advisory fee⁵ $0 for under $10,000 $3/mo for $10,000–$49,999 0.35%/yr for $50,000 and above No additional underlying fees for investments (invests in zero expense ratio Fidelity mutual funds)	0.50%/yr advisory fee No additional underlying fees for investments (invests in zero expense ratio Fidelity mutual funds)
Support	Thought leadership, research, 24/7 customer service	Thought leadership, research, 24/7 customer service	Thought leadership, research, 24/7 customer service
	Get started	Get started	Get started
Looking for a more hands-on approach? You might want to consider Fidelity^® Wealth Services for your planning and investment management needs. Minimum investment is $50,000 for access to a team of advisors or $250,000 for a dedicated advisor. Learn more

Don't forget these important steps

Once you get your account set up, what's next?

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

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

If you use Fidelity Personalized Planning & Advice, you might also want to set up a coaching appointment and review your full financial picture. That's why we're here!

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

A distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, qualified first-time home purchase, or death.

2. Clients with $250,000 or more at Fidelity may be eligible for dedicated Fidelity advisor access.

No account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See Fidelity.com/commissions for further details.

4. There is no minimum amount required to open a Fidelity Go account. However, in order for us to invest your money according to the investment strategy you've chosen, your account balance must be at least $10. The Fidelity Go program advisory fee is calculated and charged at the account level.

5. While Fidelity Personalized Planning & Advice is not currently designed for investors who are retired or within 3 years of retirement, we have other great services we can discuss with you if you call us at 800-343-3548 and ask for "Planning".

6. To be eligible for the Fidelity Personalized Planning & Advice program you must invest and maintain a minimum of $25,000, in the aggregate, in one or more of your program accounts. A program account will not be invested according to a selected asset allocation strategy until the account has a balance of at least $10.

Fidelity Go^® and Fidelity^® Personalized Planning & Advice are advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Fidelity^® Wealth Services is an advisory service offered by FPWA or Fidelity Personal Trust Company, FSB (FPTC), a federal savings bank. Nondeposit investment products and trust services offered by FPTC and its affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FPTC, FBS and NFS are Fidelity Investments companies. These advisory services are provided for a fee.

Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

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