How it works
Open a new Fidelity IRA or register an existing one. Please note, rollovers from workplace savings plans are not eligible for this offer.
Transfer your IRA1 to Fidelity within 60 days. After 60 days, we'll set your match rate.
When you make your annual IRA contributions, we'll match those contributions up to a total of $1,950 over the next 3 years.
A great match for IRAs of all sizes
|Your IRA transfer||Your annual match|
|$500,000 and above||10%|
How we work for you
What three years of Fidelity matching could give you
|Initial transfer||Year||Your contribution||Our match rate||What you'll get|
We offer low-cost trades and a wide selection of commission-free investments available to purchase. Plus, there's no annual account fee.3
More investment choices
Invest in a wide range of Fidelity and non-Fidelity funds, ETFs, stocks, bonds, and more.
Help when you need it
Our experienced investment professionals can work with you in person, by phone, or online to help you build a plan based on your goals.
There is no opening cost or annual fee for Fidelity's traditional, Roth, SEP, and rollover IRAs. A $50 account closeout fee may apply. Fund investments held in your account may be subject to management, low-balance, and short-term trading fees, as described in the offering materials. For all securities, see the Fidelity commission schedule (PDF) for trading commission and transaction fee details.
This offer is valid for new or existing Fidelity IRA customers. In order for your IRA to be eligible to receive an IRA Match bonus on annual IRA contributions, you must either designate an existing eligible Fidelity brokerage IRA or open a new eligible Fidelity brokerage IRA during the Qualification Period (defined below).
|• Qualifying Deposits include only transfers from non-Fidelity IRAs received in the Fidelity IRA during the Qualification Period. Rollovers from workplace savings plans are not eligible for this offer. Qualifying Deposits are not matched. Rather, Qualifying Deposits determine the match rate you are eligible to receive on subsequent annual contributions made to the IRA during the Match Period, as defined below.|
Specifically, the aggregate amount of Qualifying Deposits made during the Qualification Period to the designated IRA will determine the applicable match rate you are eligible to receive on subsequent annual contributions made to that IRA in the current year and the next two successive years (the "Match Period"), as follows: deposits of $10,000 to $49,999 set a 1% match rate, deposits of $50,000 to $99,999 set a 1.5% match rate, $100,000 to $249,999 set a 2.5% match rate, deposits of $250,000 to $499,999 set a 5% match rate, deposits of $500,000 or more set a 10% match. Annual contributions must be made after the Qualification Period has ended and the match rate has been set. During the Match Period, the IRA Match bonus will apply to annual contributions made for up to three years from when the Match Period begins or until a customer reaches the maximum aggregate IRA Match bonus of $1,950, whichever occurs sooner. Offer is nontransferable, limited to one offer per individual per rolling 12 months, and, with respect to the IRA that receives the deposit, one offer per Match Period. This offer may not be combined with other offers. Fidelity reserves the right to modify these terms and conditions or terminate this offer at any time. Other terms and conditions, or eligibility criteria, may apply.
Customers must register at www.fidelity.com/IRAmatch. New accounts or designated eligible accounts must be funded with at least one Qualifying Deposit within 60 days of registration ("the Qualification Period"). At the end of the Qualification Period, total net Qualifying Deposits into the eligible account will be calculated to determine the appropriate match percentage. That same match percentage will be used to calculate the IRA Match bonus in the next two succeeding years, as applicable. Funding of Qualifying Deposits must come from an external, non-Fidelity IRA source via any standard monetary transfer method (a standard Transfer of Assets form, check, electronic funds transfer, ADM deposit, etc.). Rollovers from workplace savings plans are not eligible as Qualifying Deposits for this offer. Cash and eligible securities from external sources will be valued at the time Fidelity receives them.
The IRA Match bonus will be calculated on annual IRA contributions made into the qualifying account during the Match Period using the applicable match percentage. Individuals must be eligible to make annual IRA contributions to qualify for the offer and must make an annual IRA contribution in each year in order to receive a corresponding IRA Match bonus for that year.
The IRA Match bonus will be paid directly to the qualifying account. For purposes of this offer, net Qualifying Deposits shall mean total Qualifying Deposits (including cash and/or eligible securities) minus assets and/or funds withdrawn or transferred from the account within the Qualification Period.
Account holders must maintain the minimum Qualifying Deposit account balance (minus any losses related to trading or market volatility) at Fidelity for at least nine months from the date on which a bonus award is credited to the account, or Fidelity may charge the account the amount of the bonus award. In addition, account holders must not use Qualifying Deposits to purchase insurance or annuity products offered or distributed by Fidelity within 60 days of receiving an IRA Match bonus, or Fidelity may charge the account the amount of the bonus award. Please allow 1-2 business days from each qualifying annual IRA contribution for the bonus award to be credited to your account.
Eligible accounts for this offer include Fidelity brokerage IRA (Traditional IRA, Roth IRA), accounts which meet the minimum funding requirements for this offer.
The promotion is not available for the following account types/products: Inherited IRA accounts, SIMPLE and SEP IRA accounts, mutual fund only accounts; business accounts (including those opened by union officials); trust accounts; fiduciary accounts (including custodial accounts, estate accounts); college investment trust accounts; 529 college savings plan accounts; annuities; Fidelity accounts managed by Strategic Advisers, Inc. (for example, Portfolio Advisory Services); Institutional Wealth Services (IWS) clients; clients of registered investment advisors working with Fidelity Investments, and Stock Plan Services accounts. Offer is not valid for non-U.S. residents; persons employed by FINRA or a securities organization in a regulatory capacity; employees of Fidelity, its affiliates, and members of their immediate families and households, or the media who cover financial services.
Certain states and local jurisdictions have laws that limit or restrict public employees from accepting items of value from vendors such as Fidelity that provide services to public institutions. Some public entities such as governments, state universities, health care organizations, etc., also have internal policies that may contain similar restrictions. If you are a public official or employee, you should determine if one of these laws or internal policies applies to you. By accepting this incentive, we assume that you are in compliance with your jurisdiction's laws and institution's internal policies.
You are encouraged to consult with your tax advisor about appropriate tax reporting and treatment relating to this bonus award and the deposit of the bonus award in your IRA account. Any taxes resulting from the bonus award are your responsibility.
Fidelity, Fidelity Investments, and the Fidelity Investments & Pyramid Design logo are registered service marks of FMR LLC.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917