Fidelity is always one of the top investment firms in the US. Fidelity Investments Review
Fidelity makes investing easier by not charging commissions and having a platform that is very easy to use. Along with giving you easy access to a lot of stock research, getting the most up-to-date educational support couldn’t be easier. Fidelity Investments Review
Their name is trusted and known for providing great services, ease of use, and low prices in stock trading. They have been a leader in the industry for a long time.
That’s why we think Fidelity is one of the best online stock brokers. We also use Fidelity for ourselves (find out what other tools we use here). They are one of the best places to invest because they have no commissions, a 0.00% expense ratio for mutual funds, and great customer service. Fidelity Investments Review
What Does Fidelity Offer?
Fidelity is a full-service broker that can meet the needs of virtually every investor or trader. Here’s what they have to offer.
In 2026, Fidelity was also named the top pick for online brokerages in our annual survey of investors, specifically because of their robust options and low pricing. See our full list of the best stock brokers here.
The College Investor also named Fidelity a Top investing App.
Low Costs
Fidelity offers commission-free pricing of stock, options, and ETF trades. Plus, Fidelity is the only brokerage (currently) that offers 0% expense ratio mutual funds. This puts them slightly ahead of the other big names in the space, such as Vanguard or Schwab.
Fidelity also offers over 3,400 no-transaction-fee (NTF) mutual funds. That’s one of the largest collections of NTF funds that you’ll find anywhere. Fidelity Investments Review
Another perk of Fidelity is that many of their accounts require $0 minimum to open – such as any IRA or education savings account. If you combine this with no-cost investing in ETFs, you have a very inexpensive portfolio.
Easy-To-Use (Yet Powerful) Platforms
As a trading platform, Fidelity offers trading options through its website, apps, and Active Trader Pro for desktop. Boasting simplicity in navigation, with a range of comprehensive offerings, it’s a seriously user-friendly service. Fidelity Investments Review
The Active Trader Pro service is offered to customers who qualify, meaning those who trade at a minimum of 36 times within a rolling 12-month span. Securities such as stocks, bonds, options, ETFs, mutual funds and Forex are tradable through their platform.
Additionally, Fidelity’s impressive mobile app platform offers the same advanced features available on desktop and gives customers access whenever they need it. It has the added benefits of offering quotes in real-time, multi-leg options trading, and even Fidelity’s research sector in a scaled-down, mobile-friendly format, making it a highly versatile tool to have on your smartphone or tablet. Fidelity Investments Review
Some platforms and tools it offers are restricted to only high-volume traders, however, such as the Active Trader Pro. Certain charting tools are available exclusively to those who place more than 120 trades per year. And their Wealth-Lab Pro feature limits access to a minimum of 36 trades per year, and traders must have a minimum in assets of $25,000. Fidelity Investments Review
Robo-Advisor Portfolios
Fidelity’s robo-advisor service is called Fidelity Go® and it’s highly competitive. There are no account minimums and clients with balances below $10,000 don’t pay any fees. Accounts below $50,000 pay $3 per month and clients with more than $50,000 in assets pay 0.35% per year.
If you have less than $50,000 to invest, you’ll be hard-pressed to find a lower-cost robo-advisor option than Fidelity Go®. However, investors with larger accounts could save in management fees by choosing other robo-advisors like Betterment and Wealthfront (both of which start at 0.25%). Fidelity Investments Review
Vanguard’s Digital Advisor undercuts both of those companies by charging just 0.15%, but there is a $3,000 account minimum. And Vanguard’s Personal Advisor Services, which has a $50,000 minimum balance and combines robo management with support from human financial advisors, starts at 0.30%
See how Fidelity compares using our Online Stock Broker Comparison Tool. Fidelity Investments Review
Helpful Tools And Resources
Their highly detailed, extensive investment research is conducted by more than 20 different, independent third-party research firms, and offers reports on more than 4,500 stocks.
Fidelity Youth™ Account
The Fidelity Youth™ Account is a teen saving, investing, and spending account. It’s an easy-to-use account for your teen, where you can invest with no monthly fees or account minimums ¹!
Teens can invest in stocks for as little as $1 with fractional shares.². Your teen can learn to save and spend smarter with their own debit card with no domestic ATM fees³. And teens can link their account to common payment apps like Venmo and PayPal.⁴ Plus, parents can set up alerts and monitor their teen’s account activity online and through statements, trade confirmations and debit card transactions. Fidelity Investments Review
Fidelity Crypto
Fidelity recently announced that they would be supporting cryptocurrency investments on their platform. Right now, you can opt-in to the waitlist to get access to cryptocurrency on Fidelity. Fidelity Investments Review
To start with, Fidelity will only be supporting Bitcoin (BTC) and Ethereum (ETH). Also, it will be very similar to how Robinhood handles crypto in that you don’t actually hold any actual cryptocurrency, you cannot send and receive crypto to your account at Fidelity, and you won’t have a crypto wallet to transact in Web3 with. Fidelity Investments Review
If you want to get access to BTC and ETH price movements in your Fidelity account, this can be a good choice. However, if you want to use cryptocurrency for payments, to access Web3 projects like NFTs, or to be more decentralised, you’d likely want to go with a true cryptocurrency exchange.
Fidelity® Rewards Visa
One of the biggest perks of Fidelity is using their Fidelity Rewards Visa to get cashback into your investment accounts. You can get 2% cashback rewards on everything you spend on the card! Plus, the card as no annual fee! Fidelity Investments Review
You can get your 2% cashback deposited into the following accounts (sadly, not your 401k):
- Traditional IRA
- Roth IRA
- Rollover IRA
- SEP IRA
- Charitable Giving Account
- Health Saving Account (HSA)
- Brokerage Account
- Fidelity-Managed 529 College Savings Accounts
You can deposit your cashback rewards in up to 5 qualifying accounts (but most people simply stick with one and keep it simple). Remember, cashback deposits do count towards annual contribution limits – so if you deposit into an IRA or HSA, be aware. Fidelity Investments Review
Benefits For Large Accounts And Service Levels
Fidelity does offer some benefits for large accounts, better than some brokers, but not as generous as others. With their drop to $0 commissions, one of the best perks (discounted trades) went away. Fidelity Investments Review
Margin rates range from 7.50% to 11.825% as of December 12, 2025, which sadly, are some of the highest in the industry. However, if you have a large portfolio, these are negotiable. Fidelity Investments Review
How Does Fidelity Compare?
Fidelity is consistently listed on our best places to invest. With commission-free trading, some 0% expense ration mutual funds, and the full range of investment options, you won’t find much better out there. Fidelity Investments Review
How Do I Open An Account?
You can visit Fidelity’s website to get started. All accounts can be opened online and should only take a few minutes. Check out our video about how easy it is to open a Roth IRA at Fidelity:
Is It Safe And Secure?
Yes, Fidelity employs the latest security measures (including SSL encryption) to protect its clients’ data. It also offers two-factor authentication and voice recognition technology. And Wealth Management clients receive complimentary identity theft protection through a third-party provider. Fidelity Investments Review
In addition to SIPC protection (up to $500,000), clients with Fidelity broking accounts receive an additional $1.9 million of “excess of SIPC” coverage. Clients with cash management accounts, meanwhile, receive FDIC deposit protection of up to up to $1.25 million across multiple banks. Fidelity Investments Review
Contact
Fidelity can be reached at 800-343-3548 for personal accounts or 800-835-5095 for employer-sponsored accounts. You can also get in touch by email (after you log in to your account) or live chat. Or if you would prefer to speak to someone in person, they have over 200 Investor Centers. Fidelity Investments Review
Fidelity’s commitment to customer service is worth mentioning. Phone support is available 24/7. They also offer countless services geared towards educating and informing the customer. For example, they offer seminars in their locations regularly and webinars through their online learning center.
Why Should You Trust Us?
I have been writing about and reviewing investment firms and brokerages since 2009, and have reviewed almost every US-based investment firm open to individual investors. I have seen this space evolve from high cost to low cost options, and have seen the amount of investment tools grow for individuals.
Furthermore, we have been polling our audience for years to find out which investment firms they trust and use, and that’s how we put together our annual rankings of the best investment companies. Fidelity Investments Review
Finally, we have our compliance team that regularly checks and updates the facts on our reviews.
Who Is Fidelity For And Is It Worth It?
For serious investors looking for maximum versatility online, Fidelity offers a wide range of benefits that can work for those who are looking for the best rates, free commissions, a wealth of research, a solid level of customer service, and state of the art tools that get the job done. Fidelity Investments Review
Overall, they provide a great service to those who want simplicity, low rates per trade, mobile accessibility, and in-depth research. They are by far the best for long-term investors, but short-term traders may find shortfalls.
Common Questions
Let’s answer a few common questions about Fidelity:
Where is Fidelity’s headquarters located?
Fidelity Investments main corporate office is located in Boston, Massachusetts. Its headquarters address is 245 Summer St, Boston, MA 02210.
Does Johnson & Johnson (J&J) own Fidelity?
No, J&J and Fidelity Investments are unrelated companies. However, Fidelity is owned by FMR LLC, which is controlled by a family with the last name of Johnson. Abigail Johnson has been president of Fidelity Investments since 2014. Fidelity Investments Review
How much money does Fidelity have under management?
As of April 2024, Fidelity had 50 million individual customers and managed $12.6 trillion in customer assets.
What bank does Fidelity use?
Fidelity’s debit cards are issued by PNC Bank and the debit card programme is operated by BNY Mellon Investment Servicing Trust Company. For accounts above $250,000, cash is swept to multiple banks to maximize FDIC insurance of up to $1.25 million. Fidelity Investments Review