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Determine which type of IRA is the best fit for you. Usage of Fidelity's online trading services constitutes agreement of the Log in to your Fidelity Investments or NetBenefits accounts here. Fidelity rates and fees on ROTH IRA, Sep/Simple, 401K Rollover/Traditional IRA accounts. All rights reserved. ; 403(b) & 457(b) Participants & Employees of Non-Profits * Account balances, investment options, contributions, and tools. Fidelity.com * Online trading, ETFs, Mutual Funds, IRAs, & Retirement for Individual Investors; 401(k) Participants & Employees of Corporations * Account balances, investment options, contributions, and tools. SIMPLE IRA plans require employers to contribute to their employees' accounts in 1 of 2 ways. Online Security– We will never ask for personal information through e-mail. Fidelity.com * Online trading, ETFs, Mutual Funds, IRAs, & Retirement for Individual Investors; 401(k) Participants & Employees of Corporations * Account balances, investment options, contributions, and tools. Log in to your Fidelity Investments or NetBenefits accounts here. Before investing, consider the funds' investment objectives, risks, charges, and expenses. This includes the first RMD, which individuals may have delayed from 2019 until April 1, 2020. Usage of Fidelity's online trading services constitutes agreement of the Electronic Services Customer Agreement and License Agreement. If you choose to match up to 3% of your employees' salary reduction contributions, the 2020 contribution limits to a SIMPLE IRA is $13,500 for employees under 50 years old and $16,500 for employees over 50. Fidelity.com * Online trading, ETFs, Mutual Funds, IRAs, & Retirement for Individual Investors; 401(k) Participants & Employees of Corporations * Account balances, investment options, contributions, and tools. The electronic contribution service eliminates the need to write checks to your retirement plan and can reduce errors. Before investing, consider the funds' investment objectives, risks, charges, and expenses. Usage of Fidelity's online trading services constitutes agreement of the Electronic Services Customer Agreement and License Agreement. Usage of Fidelity's online trading services constitutes agreement of the Electronic Services Customer Agreement and License Agreement. Fidelity reserves the right to change the funds available without transaction fees and reinstate the fees on any funds. Fidelity Investments retirement account annual, maintenance, inactivity, and termination charges schedule. If you are a small-business owner, you may want to consider a retirement savings plan known as a SIMPLE IRA. | Privacy SIMPLE IRAs are limited to businesses with 100 employees or fewer. Fidelity Institutional SM. Fidelity Brokerage Services LLC, Member NYSE, SIPC. And because plan rules allow business owners and employees to adjust their contribution levels each year, they enable all parties to manage changing financial circumstances and still save for retirement. Fidelity supports 128-bit browser encryption. © 1998–document.write(new Date().getFullYear())  FMR LLC. Fidelity supports 128-bit browser encryption. If you already have a Fidelity Brokerage Account, IRA or workplace savings plan (e.g., a 401k, 403b, or 457 plan), please login to save your application. Fidelity is known for being the home of star manager Peter Lynch, who put up one of the best records of any stock-picker as the manager of the Fidelity Magellan Fund in the 1970s and '80s. 900 Salem Street, Smithfield, RI 02917. Fidelity IRA Setup and Annual Fees As with other fees, the trend in IRA fees is toward zero. Click on the specific fund names for details. SIMPLE IRAs were designed for small businesses that don't have the resources to handle the administrative duties involved with larger retirement plans. Fidelity supports 128-bit browser encryption. Usage of Fidelity's online trading services constitutes agreement of the Electronic Services Customer Agreement and License Agreement. Employees do not need to meet a minimum investment in order to start a SIMPLE IRA. As you log in, be aware that your account information will be accessible in the main Fidelity.com browser window. The penalty for withdrawals before age 59½ increases to 25% if the withdrawal occurs within the first 2 years of establishing the account. 900 Salem Street, Smithfield, RI 02917. All Rights Reserved. As a business owner, you can choose to match employee contributions in one year, then opt to make a 2% non-elective contribution in the following year, depending on how much you want to commit to employee accounts. The employer match component adds another incentive for employees to contribute. This notice and the attached Summary Description provide you Fill out, securely sign, print or email your fidelity simple ira account application form instantly with SignNow. SIMPLE IRAs offer employees the tax benefits of a 401(K) with the convenience of a personal IRA. Fidelity does not provide legal or tax advice. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. Fidelity charges no setup or annual fees for regular IRAs, either Traditional or Roth.  Electronic Services Customer Agreement Fidelity.com * Online trading, ETFs, Mutual Funds, IRAs, & Retirement for Individual Investors; 401(k) Participants & Employees of Corporations * Account balances, investment options, contributions, and tools. Before investing, consider the funds' investment objectives, risks, charges, and expenses. Typically, any employee who has earned more than $5,000 in 2 preceding years is eligible to join the plan, but employers can also design a plan that's open to employees who have earned less than $5,000. Many retirement plans that work well for large companies are not practical for small businesses, which often require plans with lower costs and fewer administrative responsibilities. Start a … The change in the RMD age requirement from 70½ to 72 only applies to individuals who turn 70½ on or after January 1, 2020. 403(b) & 457(b) Participants & Employees of Non-Profits * Account balances, investment options, contributions, and tools.  and  Access a wide range of investments for your existing retirement plan through Fidelity's brokerage account for plan sponsors. Fidelity PlanManager® is the easy, convenient, and secure way to manage your SIMPLE-IRA Plan. Can Contributions Made Under A Simple Ira Plan Be Made to Any Type of IRA? SEP and SIMPLE retirement accounts are designed for small businesses. But even today, Fidelity has some top-performing mutual funds and sector funds that are worth a look for retirement investors. If you are over age 59½, you aren't subject to a 10% early withdrawal penalty. Copyright 1998-2020 FMR LLC. But like personal IRAs, SIMPLE IRAs are designed to discourage account holders from taking money out before retirement. Usage of Fidelity's online trading services constitutes agreement of the Electronic Services Customer Agreement and License Agreement. As always, before making any decisions about your retirement planning or withdrawals, you should consult with your personal tax advisor. Fidelity supports 128-bit browser encryption. Fidelity rates and fees on ROTH IRA, Sep/Simple, 401K Rollover/Traditional IRA accounts. See information on opening a SIMPLE-IRA Call 877-295-7662 for more information Visit our Self-Employed/Small Business Retirement Plan area to learn more about Fidelity's plan options and resources. If the employer chooses the 2% non-elective contribution, the percentage cannot be changed or reduced. 900 Salem Street, Smithfield, RI 02917. 449145.11.0 Fidelity Brokerage Services LLC, Member NYSE, SIPC SIRA-PNFRM-0811 1.849611.105 Dear Employees: You are eligible to participate in the SIMPLE-IRA plan our company offers. 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