Fidelity online broker logo

Fidelity

富达投资
Best for Retirement US

最終更新: 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

🇺🇸 United StatesFINRA (US)SIPCSEC

1. 総合評価

編集部の評価4.6/5

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。

スコア内訳

Fees
4.7
Platform
4.5
Research
4.9
Support
4.7
Ease of Use
4.3

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

Founded1946
HeadquartersBoston, MA, USA
Regulator(s)FINRA (US), SIPC, SEC
Min. Deposit$0
Stock Fee$0
ETF Fee$0
Chinese UINo
Official Sitehttps://fidelity.com

2. Fidelityはどんな人に向いている?

おすすめユーザー

  • 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

向いていないユーザー

  • 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. 手数料・コスト

$0

Stock Commission

$0

ETF Commission

$0

Min. Deposit

$0

Platform Fee

N/A

FX Conversion

1946

Founded

手数料スケジュールは変更される場合があります。公式サイトで必ず確認してください: https://fidelity.com

4. Fidelityのスコア評価方法

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. (評価方法を見る)

Fees & Commissions20%
4.8
Market Access20%
3.8
Regulation & Safety20%
5
App Experience15%
4.5
Beginner Friendly10%
4.3
Advanced Tools10%
4.7
Promotions5%
3.8
Weighted total4.5 / 5.0

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)

スコアは編集チームが割り当てます。最終更新: 2026-05. For educational purposes only.

5. 対応国・地域

🇺🇸

United States

FINRA-regulated US brokers

6. 規制と安全性

Fidelity — Regulatory Overview

FINRA (US)SIPCSEC

Fidelity is regulated by FINRA, SIPC, and SEC. Trading involves risk.

7. 取扱商品と口座タイプ

取扱商品

Stocks
ETFs
Options
Futures
US Stocks

口座タイプ

Margin Account

Borrow to invest (losses can exceed deposit)

Cash Account

Trade with deposited funds only

IRA

Individual Retirement Account (US)

8. プラットフォーム・アプリ

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. 入金・出金方法

入金方法

ACH Bank Transfer
Wire Transfer
Cheque
Mobile Check Deposit

出金方法

ACH Bank Transfer
Wire Transfer
Cheque

対応方法は国によって異なります。公式サイトでご確認ください。

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

4.9/5
4.9

Fidelity 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

4.7/5
4.7

Fidelity earns a top score for customer support, offering responsive multi-channel support including live chat, phone, and email. For educational purposes only.

10. キャンペーン・特典

Fidelity Promotions

Fidelity may offer promotions. Subject to terms.

キャンペーンを見る

Promotions subject to terms and conditions. For educational purposes only.

11. メリット・デメリット

良い点

  • Zero expense ratio index funds (unique)
  • Commission-free stocks & ETFs
  • Exceptional customer service
  • Best IRA tools
  • Fractional shares available

改善点

  • US only
  • Website can feel dated
  • No crypto trading
  • No Chinese UI

12. Fidelityの主な代替サービス

Not sure Fidelity is right for you? These are the most commonly compared alternatives.

13. Fidelityと競合他社の比較

BrokerScoreBest ForUS StocksHK StocksOptionsStock FeeMin DepositRegulator中文
Fidelity online broker logo

Fidelity

富达投资

レビュー中
4.6

US long-term and retirement investors who want zero-expense index funds and exceptional service

$0$0
FINRA (US)SIPC
Moomoo online broker logo

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 online broker logo

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 online broker logo

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 online broker logo

Robinhood

3.9

US-based beginners who want the simplest, zero-commission trading experience including crypto

$0$0
FINRA (US)SIPC
vs →

手数料・取扱商品は変更される場合があります。最新情報は公式サイトでご確認ください。

14. Fidelityの口座開設方法

1

公式サイトにアクセス、またはアプリをダウンロード

Go to https://fidelity.com or search "Fidelity" in the App Store or Google Play.

2

アカウントを作成

Click "Sign Up" or "Open Account." Enter your email and create a password.

3

本人確認(KYC)を行う

Submit a government-issued ID (passport, driver's licence, or national ID card) as required by your country's regulations.

4

口座に入金する

Choose from: ACH Bank Transfer, Wire Transfer, Cheque, Mobile Check Deposit. Minimum deposit: $0.

5

取引を開始する

Browse stocks, ETFs, and other available instruments. For educational purposes only — trading involves risk.

15. よくある質問(FAQ)

Fidelity is regulated by: FINRA (US), SIPC, SEC. In the US, client assets are protected by SIPC up to $500,000. Always verify current regulatory status on the official regulator website.

16. リスク免責事項

Educational purposes only. 教育目的のみ。このページの情報は教育・情報提供を目的としており、投資アドバイスや金融アドバイスを構成するものではありません。

Trading involves risk. 取引にはリスクが伴います。株式取引、ETF投資、オプション取引には元本を失うリスクを含みます。過去の運用成績は将来の結果を保証するものではありません。

Affiliate disclosure. アフィリエイト開示。このサイトはアフィリエイトリンクから報酬を受け取る場合があります。これは編集の独立性に影響しません。

Fee accuracy. 手数料の正確性。手数料・取扱商品は変更される場合があります。最新情報は公式サイトでご確認ください。 https://fidelity.com

Brokely Editorial Team

Independent Broker Review Editors

Last updated: 2026-05 · For educational purposes only · Not investment advice

Independent Review

Visit Fidelity

Fidelityの公式サイトをご覧ください。投資アドバイスではありません。

Visit Fidelity

Trading involves risk. For educational purposes only.