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Investing for retirement

A world of possibilities awaits you in retirement. One key to help you achieve your dreams: Investing your cash so your savings have a chance to grow. We can help you get invested today, starting with one simple question:

Help me manage my investments

From fully customized investing to single-fund solutions, Fidelity offers a host of professionally managed options.

See your options

I'll invest my IRA on my own

Select and manage your own portfolio of investments using a range of Fidelity investment options and tools.

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Explore some investment ideas

Try our guided experience to get invested easily. Answer a few quick questions to find ideas for your scenario.

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Help me manage my investments

Fidelity can help build and manage a portfolio that fits your needs, depending on your IRA type:

	Advisory solutions Robo advisor With Fidelity Go^®, answer a few questions online, and we'll build an investment strategy to meet your needs, becoming more conservative as retirement nears. All the while, we'll monitor the markets and rebalance your IRA when needed.
	Personalized stock portfolios With Fidelity Managed FidFolios^®, choose from 4 different investment objectives and let our team build and maintain a diversified stock portfolio for you. You can even personalize what you own by eliminating stocks or industries.
	Wealth management Team up with a dedicated advisor from Fidelity^® Wealth Management who can provide customized planning and investment management that’s designed for your full financial picture.
	Single-fund solutions Target date funds Get a diversified single-fund investment strategy with Fidelity Freedom^® Funds. Just pick the target date fund that matches your planned retirement year—we've built a portfolio for that timeline and will reduce risk as retirement nears.
	Asset allocation funds With Fidelity Asset Manager^® funds, choose a diversified single-fund strategy that can help make it easy to maintain a portfolio based on your risk tolerance.

Manage your own IRA investments

To help you personally invest and manage your IRA money, Fidelity offers a wide range of options to choose from, including:

	Exchange-traded funds (ETFs) Select a low-cost investing option that can provide diversification, tax efficiency, and broad market exposure, with options that include active equity, factor, sector, stock, and bond ETFs.
	Mutual funds Browse a wide variety of funds, including index funds, to suit any investing style—a practical and cost-efficient way to get a diversified mix of stocks, bonds, or short-term investments.
	Stocks Invest in US stocks online with $0 trading commissions.**
	Bonds and CDs Choose from fixed-income options that can provide diversification, income, and tax efficiencies—and can help protect from stock market volatility.

See how your money could grow

The sooner you invest the more your money has the opportunity to grow over time.

Monthly contribution Monthly contribution

2024 contribution limit
$7,000 for the year, which could be a contribution of $583.33 per month.

Minimum 0 Maximum 640

Investing account

FDIC-insured savings account

Chart is a hypothetical comparison. Investing involves risk of loss and performance is not guaranteed. How this chart works

The hypothetical chart above illustrates the potential growth of an investment account assuming a 7% annual nominal investment growth rate vs a .45% National savings account deposit rate as of October 21, 2024. ^* This chart assumes estimated/average return rates stay constant over the course of the time horizon and that no withdrawals were taken. Taxes, fees, and inflation are not included. Unlike traditional FDIC savings accounts, investments accounts are subject to market risk and do not carry FDIC insurance to protect from loss.

Each type of account has its own unique set of potential benefits and limitations that you should consider before deciding what type is right for you.

Interact with the slider to increase or decrease the monthly contribution to discover how the money could grow in an investment account vs an FDIC savings account. The monthly contribution is how much you want to invest every month. In this chart it is set at $250, but you can move the slider from $0 to $580 to see how your contributions could grow over time. For example, a $250 monthly contribution in an investment account could grow to $304,993 in 30 years compared to $96,339 in a traditional savings account, using end of month compounding.

This example is for illustrative purposes only and does not represent the performance of any security. The assumed rate of return is not guaranteed. Investments that have potential for a 7% rate of return also come with risk of loss. Past performance does not guarantee future results.

^* FDIC: National Rates and Rate Caps

1079524.2.4

Resources to help you invest your IRA

Get your Fidelity Retirement Score in 60 secondsLog In Required

We'll help you create an investment strategy that suits your goals in our Planning & Guidance CenterLog In Required

Fidelity Viewpoints^®

Investing ideas for your IRA

Mutual Funds and Mutual Fund Investing - Fidelity Investments

Investing for retirement

Who do you want investing your IRA?

Help me manage my investments

I'll invest my IRA on my own

Explore some investment ideas

Help me manage my investments

Manage your own IRA investments

See how your money could grow

2024 contribution limit

Resources to help you invest your IRA

Fidelity Viewpoints®

Fidelity Viewpoints^®