Roth IRA

A Roth IRA can be a powerful way to save for retirement since potential earnings grow revenue enhancement-gratis. Additionally, you don't take to pay taxes when you brand qualified withdrawals.1

With Allegiance, you have a wide range of investment options, including options to have united states of america manage your money for yous. You'll get exceptional service as well as planning and guidance support.

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Stride one: Ostend the Roth is right for yous

Tax benefits

Any potential earnings grow taxation-free and may not exist taxed when you withdraw coin in retirement.i

Access to your money

You can withdraw your contributions at whatever fourth dimension, for whatever reason, without taxes or penalties.
Flexibility

As long as you have earned income (up to the limit set by the IRS), y'all can contribute to a Roth IRA.

Why you lot may want to consider other options

Roth IRAs accept income limits: As your income increases, the corporeality you can contribute gradually decreases to zero. You can employ our IRA Contribution Calculator or our Roth vs. traditional IRA comparison page to run across what option might exist right for yous.


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Pace 2: Decide if you want to manage the investments in your IRA, or have us exercise it for y'all

Fidelity Roth IRA Allegiance Go® Roth IRA Fidelity® Personalized Planning & Advice Roth IRAtwo
Investment direction
  • You are responsible for choosing and managing your investments
  • Nosotros 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 run a risk tolerance in this digital business relationship
Planning & guidance
  • Admission to robust planning tools, and support from a Fidelity representative as needed3
  • Access to robust planning tools, and support from a Allegiance advisor as needed3
  • Admission to robust planning tools plus 1-on-i coaching from a dedicated team of Allegiance advisors3 on a multifariousness of financial topics
Minimums
  • No minimum to open an business relationshipiv
  • No minimum to open an business relationship5
  • $25,000 investment minimum beyond Personalized Planning & Communication accounts6
Fees
  • No account4 or advisory fees with this type of retail account
  • Depending on which investments yous choose, there may exist underlying fees
 Advisory fee5
  • $0 for nether $10,000
  • $3/mo for $ten,000–$49,999
  • 0.35%/twelvemonth for $l,000 and above
  • Invests in Fidelity common funds that do not charge management fees or, with limited exceptions, fund expenses
  • 0.50%/yr advisory fee
  • Invests in Allegiance mutual funds that do not accuse management fees or, with limited exceptions, fund expenses
Back up
  • Thought leadership, research, 24/vii customer service
  • Thought leadership, research, 24/7 customer service
  • Idea leadership, research, 24/7 client service



Looking for a more hands-on arroyo? You might desire to consider Fidelity® Wealth Services for your planning and investment management needs. Minimum investment is $50,000 for admission to a team of advisors or $250,000 for a dedicated advisor. Acquire more than

Don't forget these important steps

Once you get your account ready up, what'south side by side?

For a Fidelity Roth IRA: Make your first contribution. Once your money is in your IRA, you should go information technology invested. This is a very of import 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 usa.

If you employ Allegiance Personalized Planning & Advice, you might also desire to gear up a coaching appointment and review your full financial picture. That's why nosotros're here!