How To Invest With Fidelity?

Rollover IRAs allow customers to consolidate old 40l(k), IRAs or other retirement plans into a new Fidelity Rollover IRA account that provides important tax advantages and an easy means of maintaining investments. 

Traditional IRAs allow for tax-deferred savings for retirement until the time of withdrawal, at which time those withdrawn funds will be taxed at whatever that future tax rate may be. More information about Traditional IRAs can be found on the Fidelity website.  

Roth IRAs are not tax-deductible which means that withdrawals from these types of IRAs can be made tax free as long as certain criteria are met.  These IRA accounts are best for those who can make higher Roth contributions and who think their tax rates will be higher when they retire. 

Roth IRA Accounts for Kids are owned by a minor and managed by an adult.  As long as the minor has qualified earned income, after-tax contributions can be made to the account (annual limits apply) and withdrawals from the account can be made tax-free upon meeting certain conditions, the details of which are available on Fidelity’s website. 

Inherited IRAs are self-explanatory and can be in the form of Traditional, Simple SEP IRAs, or other work related retirement plan, and can be moved into a Fidelity Inherited IRA account which is subject to minimum required distributions and tax deferred growth potential. 

SEP IRAs are designed for self-employed individuals or owners of small businesses. 

Self-Employed 401(k) accounts are also designed for self-employed individuals and small business owners who have no employees and want to make more money online.

Simple IRAs offer tax deferred savings and pre-tax contributions for self-employed people and small businesses with less than 100 employees. 

Investment Only Plans for Small Business (also known as the Fidelity Non-Prototype Accounts) are also designed for small businesses with existing qualified plans whose employees would like to expand their investment opportunities to include those assets offered by Fidelity. 

Fidelity 40l(k) Plans for Small Businesses allow businesses to offer retirement plans to employees with employee deferral contributions and employer matched contributions and include a wide array of convenient features. 

Fidelity Portfolio Advisory Service Accounts require a minimum investment of $50,000 and provide a diverse portfolio (chosen by Fidelity professionals) of investments and professionals manage every aspect of the account, including making additional investments in assets similar to those of the portfolio. Advisory fees are charged for these accounts. 

Fidelity Personalized Portfolios require a minimum investment of $200,000 and portfolios consist of stocks, bonds, mutual and exchange-traded funds specifically selected by Fidelity’s Strategic Advisers for the needs of its clients. These accounts include professional management of clients’ trust assets and an annual gross advisory fee is charged. 

Fidelity GoSM Accounts couldn’t be any simpler: answer a couple questions and Fidelity will suggest a diverse portfolio of investments specifically designed for the timeline, goals and risk tolerance of each account holder. 

BlackRock Diversified Income Portfolio Accounts require a minimum investment of $200,000 and are primarily comprised of ETFs (but may contain other assets). Fidelity’s professional investment team seeks to gain more income from these assets than that which can be realized using more common sources of income. Annual advisory fees are charged. 

Breckinridge Intermediate Municipal Separately Managed Accounts (SMAs) require a minimum investment of $500,000 and are primarily comprised of intermediate term, investment grade municipal bonds spread across a wide array of issuers, sectors and maturities.  Annual advisory fees are charged. 

Fidelity Equity Income Strategy Accounts are SMAs that require minimum investments of $200,000 and seek long-term increase of income through capital growth greater than the S&P 500 but with less volatility than typical in the U.S. stock market.  Investments are comprised of high quality dividend paying stock shares and annual advisory fees are charged. 

Fidelity Tax-managed U.S. Equity Index Strategy SMA Accounts require a minimum investment of $200,000 and uses tax focused investment strategies on investments primarily comprised of U.S. stocks, but with returns typical of the S&P 500.  Annual advisory fees are charged.