Fidelity
富达投资Last updated: 2026-05
4.6
Weighted score / 5.0
America's most trusted broker for long-term investors
美国最受信赖的长期投资券商
1. Quick Verdict
US long-term and retirement investors who want zero-expense index funds and exceptional service.
适合注重退休储蓄的美国长期投资者,业内唯一零费率指数基金。
Scoring Breakdown
Broker Overview: Fidelity in 2026
Fidelity (富达投资) was founded in 1946 and is headquartered in Boston, MA, USA. It is regulated by FINRA (US), SIPC, SEC and is currently available to investors in United States.
The platform supports trading in Stocks, ETFs, Options, Futures, US Stocks. The minimum deposit is $0. Stock commissions are $0 and ETF trading costs $0.
America's most trusted broker for long-term investors US long-term and retirement investors who want zero-expense index funds and exceptional service. Main competitors include Charles Schwab, Interactive Brokers, Moomoo.
Key Facts
2. Who Is Fidelity Best For?
Best For
- Zero expense ratio index funds (industry unique)业内唯一零费率指数基金
- Best IRA and retirement tools最佳 IRA 退休账户工具
- Exceptional customer service行业最佳客户服务
- Fractional shares from $1最低 1 美元碎股
Not Best For
- Non-US investors美国以外的投资者
- Crypto traders加密货币交易者
- Chinese-speaking investors needing Chinese UI需要中文界面的华人投资者
3. Fees & Commissions
$0
Stock Commission
$0
ETF Commission
$0
Min. Deposit
$0
Platform Fee
N/A
FX Conversion
1946
Founded
Fee schedules may change. Always verify on the official website: https://fidelity.com
4. How We Score Fidelity
Our scoring is fully transparent. Each broker is evaluated across 7 categories with a fixed weight. The weighted average becomes the overall score — no arbitrary guessing. (see methodology)
4.8
Fees & Commissions
(20% weight)
3.8
Market Access
(20% weight)
5
Regulation & Safety
(20% weight)
4.5
App Experience
(15% weight)
4.3
Beginner Friendly
(10% weight)
4.7
Advanced Tools
(10% weight)
3.8
Promotions
(5% weight)
Scores assigned by editorial team. Last updated: 2026-05. For educational purposes only.
5. Supported Countries
United States
FINRA-regulated US brokers
6. Regulation & Safety
Fidelity — Regulatory Overview
Fidelity is regulated by FINRA, SIPC, and SEC. Trading involves risk.
7. Tradable Products & Account Types
Tradable Assets
Account Types
Margin Account
Borrow to invest (losses can exceed deposit)
Cash Account
Trade with deposited funds only
IRA
Individual Retirement Account (US)
8. Platform & App
Mobile App Rating
4.8★ iOS · 4.7★ Android
Desktop Platform
Fidelity Web + Active Trader Pro
Language Support
English
Charting Tools
Zero expense ratio index funds (industry unique)
Market Coverage
United States
Regulatory Status
FINRA (US) · SIPC · SEC
9. Deposit & Withdrawal Methods
Deposit Methods
Withdrawal Methods
Methods vary by country. Verify on the official website.
Market Data & Research Tools
Access to quality market data and research tools is a major differentiator between brokers. Here is what Fidelity offers compared to the industry standard.
Level 2 Market Data
L1 included; L2 may require subscription
Real-time bid/ask depth showing all orders at each price level. Industry standard charge: $20–90/month. Free Level 2 is a significant advantage.
Charting & Technical Analysis
thinkorswim / Active Trader Pro — professional-grade
Chart indicators, drawing tools, and time-frame options are essential for technical traders.
News Feed & Earnings Calendar
Reuters, AP, full earnings calendar
Real-time news and earnings calendars help investors stay informed about market events.
Paper Trading / Simulator
Paper trading not available
Practice trading with virtual funds. Essential for beginners to build confidence before trading with real money.
Stock Screener
Advanced screener with fundamental + technical filters
Stock screeners let you filter thousands of stocks by criteria such as P/E ratio, market cap, dividend yield, and more.
Analyst Reports & Research
Morningstar, S&P Capital IQ, Ned Davis
Third-party analyst reports, earnings forecasts, and company research help investors make more informed decisions.
Research & Tools Score
4.9/5Fidelity scores highly for research and tools. The platform provides institutional-quality market data, charting tools, and research resources that rival or exceed those of many traditional brokers. For educational purposes only. Not investment advice.
Customer Support
Response speed, language coverage, and the quality of support channels vary significantly across brokers. Here is how Fidelity rates on customer support.
Live Chat
24/7 live chat, phone, and branch
24 hours / 7 days
Phone Support
24/7 toll-free phone support (US)
Available 24/7
Email & Ticket Support
Email / in-app ticket support available
Typical response time: 1–3 business days
Chinese Language Support
Fidelity does not currently offer a Chinese-language support channel. Chinese-speaking investors may prefer Moomoo, Tiger Brokers, or Longbridge, all of which offer Chinese (中文) support.
English only
Customer Support Score
4.7/5Fidelity earns a top score for customer support, offering responsive multi-channel support including live chat, phone, and email. For educational purposes only.
10. Promotions & Welcome Offers
Fidelity Promotions
Fidelity may offer promotions. Subject to terms.
View Current PromotionsPromotions subject to terms and conditions. For educational purposes only.
11. Pros & Cons
What We Like
- Zero expense ratio index funds (unique)
- Commission-free stocks & ETFs
- Exceptional customer service
- Best IRA tools
- Fractional shares available
What Could Be Better
- US only
- Website can feel dated
- No crypto trading
- No Chinese UI
12. Main Alternatives to Fidelity
Not sure Fidelity is right for you? These are the most commonly compared alternatives.
Charles Schwab
嘉信理财US investors who prioritize research quality, 24/7 support, and long-term IRA/re
4.5★
Compare →
Interactive Brokers
盈透证券 IBKRExperienced and professional investors globally who need the widest market acces
4.5★
Compare →
Moomoo
富途 MoomooChinese-speaking investors in Canada, SG, US, AU, MY who want advanced trading t
4.7★
Compare →
13. Fidelity vs Competitors
| Broker | Score | Best For | US Stocks | HK Stocks | Options | Stock Fee | Min Deposit | Regulator | 中文 | |
|---|---|---|---|---|---|---|---|---|---|---|
Fidelity 富达投资 Reviewing | 4.6 | US long-term and retirement investors who want zero-expense index funds and exceptional service | $0 | $0 | FINRA (US)SIPC | |||||
Moomoo 富途 Moomoo | 4.7 | Chinese-speaking investors in Canada, SG, US, AU, MY who want advanced trading tools and $0 commissions | $0 | $0 | CIRO (CA)CIPF (CA) | vs → | ||||
Interactive Brokers 盈透证券 IBKR | 4.5 | Experienced and professional investors globally who need the widest market access (150+ markets), lowest margin rates, and institutional-grade research and order execution | $0 (IBKR Lite, US … | $0 (no minimum) | FINRA (US)SIPC (US) | vs → | ||||
IBKR Canada 盈透证券加拿大 | 4.5 | Advanced Canadian investors who want global market diversification beyond just US and Canadian stocks, the lowest CAD-to-USD FX rate, TFSA/RRSP support, and institutional-grade tools | $0 (IBKR Lite, US … | $0 (no minimum) | CIRO (CA)CIPF (CA) | vs → | ||||
Robinhood | 3.9 | US-based beginners who want the simplest, zero-commission trading experience including crypto | $0 | $0 | FINRA (US)SIPC | vs → |
Fees and product availability may change. Always verify at the official website.
14. How to Open a Fidelity Account
Visit the official website or download the app
Go to https://fidelity.com or search "Fidelity" in the App Store or Google Play.
Create an account
Click "Sign Up" or "Open Account." Enter your email and create a password.
Verify your identity (KYC)
Submit a government-issued ID (passport, driver's licence, or national ID card) as required by your country's regulations.
Fund your account
Choose from: ACH Bank Transfer, Wire Transfer, Cheque, Mobile Check Deposit. Minimum deposit: $0.
Start trading
Browse stocks, ETFs, and other available instruments. For educational purposes only — trading involves risk.
15. Frequently Asked Questions
16. Risk Disclaimer
Educational purposes only. Educational purposes only. The information on this page is for educational and informational purposes only and does not constitute investment advice, financial advice, or a recommendation to buy or sell any security.
Trading involves risk. Trading involves risk. Stock trading, ETF investing, and options trading involve risk, including the potential loss of principal. Past performance is not indicative of future results.
Affiliate disclosure. Affiliate disclosure. This site may receive compensation from affiliate links. This does not affect our editorial independence. We only feature regulated brokers.
Fee accuracy. Fee accuracy. Fees and product availability may change. Always verify current information at the official website. https://fidelity.com
Brokely Editorial Team
Independent Broker Review Editors
Last updated: 2026-05 · For educational purposes only · Not investment advice
Visit Fidelity
Visit the official Fidelity website. Not investment advice.
Visit FidelityTrading involves risk. For educational purposes only.