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Fidelity Roth IRA: Smart Retirement Savings Option

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Kenneth Keith
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Are you making the most of your retirement savings with a Fidelity Roth IRA? This account could be the key to tax-free income in your retirement. But what makes it a smart choice for many Americans? Let’s explore the details that could change how you plan for retirement.

Key Takeaways

  • Roth IRAs offer tax-free qualified withdrawals in retirement, including investment earnings.
  • Contribution limits for Roth IRAs in 2024 are $7,000, or $8,000 for those 50 and older1.
  • Income limits determine Roth IRA eligibility, ranging from full contributions for lower incomes to no contributions for higher incomes1.
  • Roth IRAs provide flexible withdrawal options and the ability to create a tax-free legacy.
  • Roth IRAs can be a smart retirement savings option for many Americans, complementing other retirement accounts like 401(k)s2.

What is a Fidelity Roth IRA?

A Fidelity Roth IRA lets you save and invest money after paying taxes3. This type of IRA has special features that make it a great choice for retirement savings3.

Definition and Key Features

A Fidelity Roth IRA is known for tax-free qualified withdrawals in retirement3. If you meet certain rules, you won’t owe federal income taxes on your withdrawals3. You can also take out your contributions at any time without a penalty3. Plus, you can leave a tax-free legacy for your loved ones3.

To get qualified, a withdrawal must meet the 5-year aging rule and you must be 59½ or older, or meet certain exceptions3. There are no fees or minimums to start a Fidelity IRA, but you might face costs from investments and commissions3. The Fidelity Go account doesn’t need a minimum to open, but you must have at least $10 to invest according to your strategy3. If you’re a Fidelity® Wealth Services client, you need at least $50,000 to get support from an advisor3.

The change in the RMDs age from 72 to 73 affects those turning 72 after January 1, 20233. After turning 73, you’ll need to take RMDs every year from your retirement accounts4.

Fidelity offers webinars and events for learning about money5. You can find news, events, and strategies from Fidelity Wealth Management5. Women Talk Money shares advice on money, investing, and careers5. Active Investor gives deep insights into investing, strategies, and tools5. Fidelity Smart Money talks about finance news and gives tips on spending, saving, and investing5. Fidelity Viewpoints brings you news and insights from industry experts5.

How Does a Fidelity Roth IRA Work?

A Fidelity Roth IRA lets you save for retirement with after-tax dollars. This means your money grows tax-free and you won’t pay taxes when you withdraw it in retirement6. To put money into a Fidelity Roth IRA, you must earn money and your income can’t be too high7.

Contribution Limits

For 2024, you can put up to $7,000 into a Fidelity Roth IRA, or $8,000 if you’re 50 or older6. How much you can contribute depends on your income and filing status7.

Income Limits

In 2023, if you’re single, your income must be between $153,000 and $168,000 to fully contribute to a Roth IRA. For married couples filing together, the range is $228,000 to $238,0007. Even if your income is higher, you can still use a Roth IRA by moving money from a traditional IRA7.

Withdrawal Rules

You can take out your contributions from a Roth IRA anytime without paying taxes or penalties6. You can also take out earnings tax-free if you wait 5 years and are 59 1/2 or older6. Roth IRAs don’t make you take out a certain amount each year, giving you more control over your money in retirement6.

Fidelity is a big name in financial services that offers a Roth IRA with many investment choices8. They manage over $11.5 trillion and offer more than 10,000 mutual funds, including the Fidelity Total Market Index Fund and Fidelity U.S. Bond Index Fund8.

Whether you’re starting to save for retirement or want to grow your investments, a Fidelity Roth IRA is a good option. It has clear rules on how much you can contribute, your income limits, and when you can take out money. These rules help your money grow and save you on taxes678.

Fidelity Roth IRA Benefits

The Fidelity Roth IRA is a great choice for saving for retirement. It offers tax-free retirement income9. Unlike traditional IRAs, you don’t have to take out a minimum amount in retirement, so your savings grow tax-free9.

Another big plus is its flexible withdrawal options10. You can take money out of a Roth IRA without paying federal taxes or penalties, giving you control over your retirement funds10.

Also, the Fidelity Roth IRA lets you leave a tax-free legacy for your loved ones9. Your heirs won’t have to pay federal income tax on withdrawals from a Roth IRA, so they get your inheritance without tax worries9.

What makes Fidelity’s Roth IRA stand out is its low fees and commissions9. There are no yearly fees, and you pay no commission on online trades for U.S. stocks, ETFs, and options. This makes saving for retirement more affordable9.

Fidelity also offers a variety of investments, like mutual funds, with no extra fees9. This lets you create a diverse portfolio and aim for higher returns over time9.

In summary, the Fidelity Roth IRA combines tax benefits, flexible withdrawals, and low costs. It’s a wise choice for many people saving for retirement910.

Key Fidelity Roth IRA Benefits Details
Tax-Free Retirement Income Roth IRA withdrawals are tax-free in retirement if certain conditions are met910.
Flexible Withdrawal Options Qualified Roth IRA distributions are federal tax-free and penalty-free10.
Tax-Free Legacy for Beneficiaries Roth IRA withdrawals are not subject to federal income tax, allowing for tax-free inheritance9.
Competitive Fees and Commissions No annual maintenance fees, $0 commissions for online U.S. stock, ETF, and option trades, and no transaction fees for most Fidelity mutual funds9.
Flexible Investment Options Wide range of investment choices, including mutual funds, with no transaction fees for most funds9.

The Fidelity Roth IRA offers great benefits of a roth ira and roth ira advantages for retirement savings. With tax-free growth, flexible withdrawals, and low fees, it’s a great way to secure your financial future.

Tax-Free Retirement Income

A Fidelity Roth IRA offers a big plus: tax-free retirement income11. You put in money after paying taxes, but when you take it out in retirement, it’s tax-free11. This is great if you think you’ll be paying more taxes later on.

Fidelity has a Roth IRA that makes this tax-free income possible12. The IRS says if you make less than $146,000 (or $230,000 for couples) you can put up to $7,000 into a Roth IRA each year. If you’re 50 or older, you can add an extra $1,00013. This lets your money grow without taxes, giving you tax-free income later.

Roth IRA money isn’t taxed when you take it out13. This is a big plus if you think you’ll be paying more taxes when you retire11. With a Fidelity Roth IRA, you know your retirement money will be tax-free. This can really help your savings and make you feel more secure.

“Roth IRA contributions are made with after-tax dollars, but qualified withdrawals in retirement are tax-free, unlike traditional IRA or 401(k) withdrawals.”

Fidelity also has resources and tools to help you get the most from a Roth IRA12. By using the tax-free growth and withdrawals of a Fidelity Roth IRA, you’re moving closer to your financial goals. This can lead to a more secure retirement.

Flexible Withdrawal Options

A Fidelity Roth IRA offers flexible ways to take out your money. Unlike traditional IRAs, you don’t have to take required minimum distributions (RMDs) at any point in your life14.

You can take out your contributions from a Roth IRA anytime without paying taxes or penalties14. This is great if you need money for an emergency or a big purchase, like a down payment on a home14.

Also, you can take out the earnings in your Roth IRA tax-free. This is true if you’ve had the account for at least 5 years and meet certain requirements14. First-time homebuyers can take out up to $10,000 of earnings without paying taxes or penalties for a home purchase14.

Roth IRAs don’t have required minimum distributions (RMDs) during the original owner’s lifetime14. This means your Roth IRA can keep growing tax-free for as long as you want. You can then pass it on to your heirs without them paying taxes14.

But, it’s key to know the rules and limits of Roth IRAs14. For instance, there are limits on how much earnings you can take out without paying taxes or penalties. There might also be rules about selling investments before taking out money14. If you moved money from a traditional IRA or 401(k), there are special rules to follow14.

Overall, the flexible ways to take out money from a Fidelity Roth IRA are great for reaching your financial goals14. You can save for retirement, get to your money in an emergency, or leave a tax-free legacy for your family14.

“A Roth IRA can potentially grow $1,000 contributed at age 25 to $14,974 by age 65 with a 7% annual rate of return.”14

Knowing the rules and limits helps you use the flexibility of a Fidelity Roth IRA well14.

Creating a Tax-Free Legacy

A Fidelity Roth IRA is a great way to pass on wealth to your loved ones without taxes15. If your Roth IRA has been open for at least 5 years, your heirs can take out the money without paying taxes15. This is a big plus when compared to traditional IRAs, where heirs have to pay taxes on what they withdraw.

One big plus of a Fidelity Roth IRA is making a lasting legacy for your family16. By choosing your beneficiaries, you make sure your Roth IRA goes to them in a way that saves on taxes16. This is great for younger heirs, as the money can grow tax-free for years, making a big inheritance.

Roth IRAs also offer flexibility for estate planning17. They don’t have required minimum distributions (RMDs) during the owner’s life. This means you can keep control of your assets and pass them on tax-free to your heirs17.

When thinking about passing on your Roth IRA, consider the tax effects and talk to a financial advisor17. Things like state taxes, moving, and if you can make Roth contributions can affect your choices17.

roth ira inheritance

Using a Fidelity Roth IRA’s tax benefits, you can make sure your savings keep growing and help your family long after you’re gone151617.

Roth IRA vs Traditional IRA

Choosing between a Roth IRA and a traditional IRA affects your retirement savings. The main difference is when you get tax benefits18.

With a traditional IRA, you get a tax break upfront. But, you’ll pay taxes on what you take out later. Roth IRA contributions are made after taxes, but you won’t pay taxes on withdrawals in retirement18.

Deciding between a Roth IRA and a traditional IRA depends on your taxes now and in the future. If you think your taxes will be higher later, a Roth IRA might be better. It lets you use today’s lower tax rates19.

Feature Roth IRA Traditional IRA
Tax Treatment of Contributions After-tax Pre-tax
Tax Treatment of Withdrawals Tax-free Taxable
Contribution Limits (2021) Up to $6,000 ($7,000 if 50 or older) Up to $6,000 ($7,000 if 50 or older)
Income Limits for Contributions Phased out for single filers with MAGI between $125,000-$140,000, and married filing jointly with MAGI between $198,000-$208,000 Phased out for single filers with MAGI between $66,000-$76,000, and married filing jointly with MAGI between $105,000-$125,000
Withdrawal Rules Tax- and penalty-free withdrawals on contributions at any age, with exceptions for first-time home purchases, college expenses, and birth/adoption expenses. 10% penalty on earnings withdrawn before 59 and a half. All withdrawals are taxable, and a 10% early withdrawal penalty applies before age 59 and a half, with some exceptions.

Roth IRAs offer tax-free growth and flexible withdrawals. You can take out contributions anytime without taxes or penalties19. Traditional IRAs require you to take out a certain amount starting at 72.5, affecting your taxes in retirement19.

Anyone with a job can put money into a traditional IRA. But, high-income people can’t directly put money into a Roth IRA. Yet, the “backdoor Roth IRA” lets high-income earners indirectly put money into a Roth IRA18.

Choosing between a Roth IRA and a traditional IRA depends on your finances, tax goals, and retirement plans. Talking to a financial advisor can help pick the best one for you20.

Eligibility for Fidelity Roth IRA

To get a Fidelity Roth IRA, your income and filing status matter. You must earn money and your adjusted gross income (MAGI) should be within certain limits21.

For 2024, if you’re single, your MAGI should be between $146,000 and $161,000. If you’re married and filing together, it should be between $230,000 and $240,00021. Even if your income is higher, you might still contribute through a “backdoor” Roth IRA conversion.

The limit for Roth IRA contributions in 2024 is $7,000 if you’re under 50, or $8,000 if you’re 50 or older21. You can’t put more into traditional and Roth IRAs together than the yearly limit22.

Don’t put more into a Roth IRA than you earn to avoid penalties22. If you put in too much, you’ll face tax penalties and must fix it by the tax filing deadline21.

It’s wise to talk to a financial expert to see if you can contribute to a Roth IRA. They can help with your retirement planning22.

Filing Status MAGI Range Contribution Limit
Single ≥ $146,000 but ≥ $161,000: Not Eligible $7,000 (under 50)
$8,000 (50 and older)
Married Filing Jointly ≥ $230,000 but ≥ $240,000: Not Eligible $7,000 (under 50)
$8,000 (50 and older)
Married Filing Separately ≥ $10,000: Not Eligible $7,000 (under 50)
$8,000 (50 and older)

The rules for Roth IRA eligibility mean high-income people can’t use this tax-saving account as much. Knowing these rules helps you decide if a Fidelity Roth IRA fits your retirement plans23.

Opening a Fidelity Roth IRA

Step-by-Step Guide

Starting a Fidelity Roth IRA is easy and can help you manage your retirement savings. Here’s how to begin:

  1. Pick Fidelity as your financial partner. They’re known for their wide range of investments and Roth IRA features9.
  2. Add money to your Roth IRA. You can use cash, transfer funds, or roll over a 401(k) or 403(b). Fidelity makes it simple with online transfers or mailing a check24.
  3. Put your money to work. After funding, you can invest in stocks, bonds, mutual funds, and ETFs. Fidelity has many options to fit your risk level and goals24.

A Fidelity Roth IRA could grow tax-free and offer tax-free withdrawals later9. Plus, there’s no yearly fee, and trading most Fidelity funds is free9.

To start a Fidelity Roth IRA, you’ll need details like your name, contact info, social security number, and job info24. You can get a Roth IRA if you meet income, age, and work requirements24.

Fidelity’s Roth IRAs have low fees and expenses, which helps your investments grow24. They offer many investment choices, letting you spread out your risk and aim for better returns24.

“With a Fidelity Roth IRA, you can enjoy the benefits of tax-free growth and withdrawals in retirement, giving you more financial flexibility and security.”

Opening a Fidelity Roth IRA is easy and can help you reach your financial goals. By using Fidelity’s tools and options, you can grow a retirement fund and maybe even leave a tax-free gift for your family91024.

Funding and Investing in a Roth IRA

Starting to save for retirement means funding and investing in a Fidelity Roth IRA well. You can add money through cash, transfers, or moving funds from other retirement plans3.

After funding your Roth IRA, you can pick from many investment options. You can choose from stocks, bonds, mutual funds, and ETFs. This lets you match your investments with your risk level and retirement goals25.

  1. It’s key to regularly check your Roth IRA investments to make sure they still fit your financial goals25.
  2. Changing your investment mix can lead to better returns and a strategy that suits you better25.
  3. Making changes in your Roth IRA can help diversify your portfolio and grab new chances. But, remember to think about the risks too25.

The Fidelity Roth IRA is great for growing your retirement savings with tax benefits. By picking and managing your investments wisely, you can make the most of your Roth IRA26.

For Roth IRA success, keep a long-term view, spread out your investments, and watch out for fees. These steps help your Roth IRA grow and secure your retirement26.

For more help on managing your Roth IRA, check out Fidelity’s resources. They have a step-by-step guide on changing investments in a Fidelity Roth IRA25.

“The beauty of a Roth IRA is that it allows your money to grow tax-free, and qualified distributions are tax-free as well. This can be a powerful tool for building wealth over the long term.”

– Financial Advisor, Fidelity Investments

Roth IRA Conversion Options

If your income is over the Roth IRA limits, you can still use a Roth IRA conversion strategy. This method lets you put non-deductible money into a traditional IRA and then switch it to a Roth IRA27. It’s a good choice for those making a lot of money who want to use a Roth IRA.

Backdoor Roth IRA

A backdoor Roth IRA means adding after-tax money to a traditional IRA or 401(k) and then switching it to a Roth IRA27. This way, even if you make too much money for regular Roth IRA contributions, you can still enjoy the tax-free growth and withdrawals28.

Before you start with a Roth conversion, think about your retirement plans, future taxes, estate planning, and cash flow27. It’s smart to talk to tax experts to find the right strategy for your money situation27.

Roth IRA Conversion Considerations Description
Retirement Timeline Know when you plan to retire and how a conversion might change your taxes now and later.
Future Tax Brackets Think about if you’ll be in a higher or lower tax bracket when you retire. This affects the Roth conversion benefits.
Estate Planning Roth IRAs are great for estate planning because they don’t need minimum withdrawals during the owner’s life. This means tax-free withdrawals for beneficiaries29.
Current Cash Flow Check if you can pay the taxes due when you convert. This affects how well the strategy works.

Roth conversions are complex and can’t be undone after the Tax Cuts and Jobs Act28. So, think carefully and get advice to make the best choice for your money situation.

“Consultation with tax professionals is recommended before proceeding with a Roth conversion to ensure the best approach for an individual’s specific financial situation.”27

In summary, the backdoor Roth IRA strategy is a good option for those making a lot of money who want Roth IRA benefits. But, it’s important to think about different factors and get advice to make the best choice for your financial goals and taxes272829.

Roth IRA Investment Strategies

When investing in a Fidelity Roth IRA, think about your risk level, how long you can wait for returns, and your retirement goals. A mix of stocks, bonds, mutual funds, and ETFs can help you aim for high returns while keeping risks low. Strategies like dollar-cost averaging and asset allocation are great for Roth IRA investing.30 A financial expert can help craft an investment plan that fits your needs.

For a balanced Roth IRA, a 60/40 mix of stocks and bonds is often suggested30. This mix can offer steady growth over time. Some experts might suggest a more stock-heavy portfolio because people are living longer and need savings for a longer period30.

Choosing low-cost index funds that follow the market is a good idea for your Roth IRA30. These funds tend to do better than actively managed ones over time30. You can also add global and emerging market funds to your portfolio for more diversification and potential higher returns, but these can be riskier.30

If you want a simple approach, Fidelity Roth IRAs let you pick professionally managed funds31. These funds change their investment mix as you get closer to retirement, becoming safer31. This is great for those who don’t want to manage their investments themselves.

The secret to a successful Roth IRA is a well-rounded portfolio that matches your risk level, time frame, and retirement goals303231. Using the tax-free growth and flexible withdrawals of a Fidelity Roth IRA can help you secure a comfortable retirement.

“The best investment you can make is in your own abilities. Anything you can do to develop your own abilities, whether it’s education, training, or just learning to be a better thinker, that’s the best investment you can make.”

Conclusion

A Fidelity Roth IRA can be a great choice for many Americans. It offers tax-free retirement income33, flexible ways to take money out34, and lets you leave a tax-free legacy for your loved ones. By learning about its main features and rules, like how much you can put in35, income limits35, and when you can take money out3334, you can decide if it fits your long-term financial plans.

The benefits of a Fidelity Roth IRA include tax-free growth and withdrawals, no need to take out money at a certain age33, and the chance to add money even after you turn 7235. Also, the flexibility to open a Roth IRA makes it a good choice for those wanting to spread out their retirement savings and lower their taxes later on.

Think about the special features and rules of a Fidelity Roth IRA to see if it’s the best choice for you. With its tax-free growth, flexible withdrawals, and planning for the future, a Roth IRA could be a key part of your retirement plan.

FAQ

What is a Fidelity Roth IRA?

A Fidelity Roth IRA lets you save and invest money after paying taxes. You get tax-free withdrawals in retirement. You can also leave a tax-free legacy for your loved ones.

What are the contribution limits for a Fidelity Roth IRA?

For 2024, you can put up to ,000 into a Fidelity Roth IRA, or ,000 if you’re 50 or older. How much you can contribute depends on your income and filing status.

What are the withdrawal rules for a Fidelity Roth IRA?

You can take out your contributions from a Roth IRA anytime without paying taxes or penalties. Earnings can be taken out tax-free if you wait 5 years and are 59 1/2 or older.

What are the key benefits of a Fidelity Roth IRA?

The main benefits include tax-free income in retirement, flexible withdrawals, and leaving a tax-free legacy for your heirs.

How is a Fidelity Roth IRA different from a traditional IRA?

Traditional IRAs offer a tax break upfront but make you pay taxes on withdrawals later. Roth IRAs are funded with after-tax dollars but let you take withdrawals tax-free in retirement.

Who is eligible to contribute to a Fidelity Roth IRA?

You need to earn income and your MAGI must be within certain limits to contribute to a Fidelity Roth IRA. For 2024, these limits are 6,000 to 1,000 for singles and 0,000 to 0,000 for joint filers.

How do I open a Fidelity Roth IRA?

To open a Fidelity Roth IRA, pick a broker-dealer, fund it, and invest the money. Fidelity makes it easy to start online. You can add cash, transfer funds, or roll over from other retirement plans.

How can I fund and invest my Fidelity Roth IRA?

Fund your Fidelity Roth IRA with cash, transfers, or rollovers from other plans. Once it’s funded, you can invest in stocks, bonds, mutual funds, and ETFs based on what Fidelity offers.

What options do I have if my income exceeds the Roth IRA contribution limits?

If your income is too high for a Roth IRA, consider a “backdoor” Roth IRA. This means putting money into a traditional IRA and then converting it to a Roth IRA.

Source Links

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  2. Retirement account types: Which is best for you? | Fidelity – https://www.fidelity.com/learning-center/smart-money/retirement-accounts
  3. Roth IRA | Powerful Way to Save for Retirement | Fidelity Investments – https://www.fidelity.com/retirement-ira/roth-ira
  4. Roth IRA vs traditional IRA | Comparing IRAs | Fidelity – https://www.fidelity.com/retirement-ira/ira-comparison
  5. Traditional IRA vs. Roth IRAs – Fidelity – https://www.fidelity.com/learning-center/personal-finance/retirement/traditional-vs-roth
  6. 9 Roth IRA benefits | Fidelity – https://www.fidelity.com/learning-center/personal-finance/retirement/nine-reasons-roth
  7. Who can open a Roth IRA? | Fidelity – https://www.fidelity.com/learning-center/smart-money/who-can-open-a-roth-ira
  8. Roth IRA Fund Options From Fidelity – https://www.investopedia.com/roth-ira-funds-fidelity-5219789
  9. Saving for Retirement – Roth IRA – https://www.fidelity.com/webcontent/pr100660-pi-mobile-shared-webcontent/pi-mobile-shared/html/roth-ira.shtml
  10. Roth IRA for Kids | Plan Benefits, Eligibility, and Investment Options | Fidelity – https://www.fidelity.com/retirement-ira/roth-ira-kids
  11. What Is a Tax-Free Retirement Account (TFRA)? – https://smartasset.com/retirement/tfra-retirement-account
  12. Money Unscripted Podcast | Roth IRAs | Fidelity – https://www.fidelity.com/learning-center/money-unscripted/roth-IRA
  13. Can you have a Roth IRA and a 401(k)? | Fidelity – https://www.fidelity.com/learning-center/smart-money/can-you-have-a-roth-ira-and-a-401k
  14. Can you use your Roth IRA as an emergency fund? | Fidelity – https://www.fidelity.com/learning-center/personal-finance/roth-ira-as-emergency-fund
  15. Converting IRA to Roth IRA | Fidelity – https://www.fidelity.com/learning-center/personal-finance/retirement/roth-iras-roth-ira-conversion/focused-roth-conversion
  16. How To Do A Backdoor Roth Ira With Fidelity – https://www.process.st/how-to/do-a-backdoor-roth-ira-with-fidelity/
  17. Roth IRA conversion | What to know before converting | Fidelity – https://www.fidelity.com/viewpoints/retirement/roth-ira-conversion-after-50
  18. Traditional and Roth IRAs both offer tax breaks, but not at the same time—here’s how they differ – https://www.cnbc.com/select/traditional-ira-vs-roth-ira/
  19. Roth IRA or traditional IRA or 401(k) – Fidelity – https://www.fidelity.com/viewpoints/retirement/spender-or-saver
  20. Traditional IRA | Benefits & Options on How to Open a Retirement Account | Fidelity – https://www.fidelity.com/retirement-ira/traditional-ira
  21. Roth IRA income limits for 2024 | Fidelity – https://www.fidelity.com/learning-center/smart-money/roth-ira-income-limits
  22. Roth IRA contribution and income limits for 2024 | Fidelity – https://www.fidelity.com/learning-center/smart-money/roth-ira-contribution-limits
  23. Who can contribute to a Roth IRA? | Fidelity – https://www.fidelity.com/learning-center/smart-money/who-can-contribute-to-a-roth-ira
  24. How To Open A Roth Ira With Fidelity – https://www.process.st/how-to/open-a-roth-ira-with-fidelity/
  25. How To Change Investments In Fidelity Roth Ira – https://www.process.st/how-to/change-investments-in-fidelity-roth-ira/
  26. Saving for Retirement – Roth IRA – https://www.fidelity.com/misc/buffers/mobile/roth-ira.shtml
  27. Roth IRA conversion | Fidelity Investments – https://www.fidelity.com/viewpoints/wealth-management/insights/roth-ira-conversion
  28. Roth IRA | Converting Traditional IRA or 401(k) | Fidelity – https://www.fidelity.com/viewpoints/retirement/earn-too-much-contribute-Roth-IRA-conversion
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  30. Best Investments for Your Roth IRA – https://www.investopedia.com/articles/personal-finance/110614/most-common-roth-ira-investments.asp
  31. How to invest your IRA and Roth IRA | Fidelity – https://www.fidelity.com/viewpoints/retirement/ira-portfolio
  32. How To Invest In Fidelity Roth Ira – https://www.process.st/how-to/invest-in-fidelity-roth-ira/
  33. How To Close A Roth Ira With Fidelity – https://www.process.st/how-to/close-a-roth-ira-with-fidelity/
  34. IRA Early Withdrawals | Penalties, Exceptions & Options | Fidelity – https://www.fidelity.com/building-savings/learn-about-iras/ira-early-withdrawal
  35. Individual Retirement Account (IRA): What It Is, 4 Types – https://www.investopedia.com/terms/i/ira.asp