Fidelity
富达投资最後更新: 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
1. 總結評價
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。
評分細項
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. Fidelity 最適合哪些投資人?
最適合
- 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
較不適合
- 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. 手續費與佣金
$0
Stock Commission
$0
ETF Commission
$0
Min. Deposit
$0
Platform Fee
N/A
FX Conversion
1946
Founded
手續費可能有所變動,請至官方網站確認: https://fidelity.com
4. 我們如何評分 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. (查看評分方法)
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)
評分由編輯團隊依據公開資訊評定。最後更新: 2026-05. For educational purposes only.
5. 支援國家與地區
United States
FINRA-regulated US brokers
6. 監管與安全性
Fidelity — Regulatory Overview
Fidelity is regulated by FINRA, SIPC, and SEC. Trading involves risk.
7. 可交易商品與帳戶類型
可交易商品
帳戶類型
Margin Account
Borrow to invest (losses can exceed deposit)
Cash Account
Trade with deposited funds only
IRA
Individual Retirement Account (US)
8. 交易平台與 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. 入金與出金方式
入金方式
出金方式
支援方式依國家而異,請至官方網站確認。
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. 優惠與迎新活動
Fidelity Promotions
Fidelity may offer promotions. Subject to terms.
查看優惠活動Promotions subject to terms and conditions. For educational purposes only.
11. 優點與缺點
我們喜歡的地方
- Zero expense ratio index funds (unique)
- Commission-free stocks & ETFs
- Exceptional customer service
- Best IRA tools
- Fractional shares available
可以改進的地方
- US only
- Website can feel dated
- No crypto trading
- No Chinese UI
12. Fidelity 的主要替代選擇
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 與競爭對手比較
| Broker | Score | Best For | US Stocks | HK Stocks | Options | Stock Fee | Min Deposit | Regulator | 中文 | |
|---|---|---|---|---|---|---|---|---|---|---|
Fidelity 富达投资 正在評價 | 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 → |
手續費與產品可用性可能有所變動,請至官方網站確認。
14. 如何開設 Fidelity 帳戶
前往官方網站或下載 App
Go to https://fidelity.com or search "Fidelity" in the App Store or Google Play.
建立帳戶
Click "Sign Up" or "Open Account." Enter your email and create a password.
完成身份驗證(KYC)
Submit a government-issued ID (passport, driver's licence, or national ID card) as required by your country's regulations.
入金至帳戶
Choose from: ACH Bank Transfer, Wire Transfer, Cheque, Mobile Check Deposit. Minimum deposit: $0.
開始交易
Browse stocks, ETFs, and other available instruments. For educational purposes only — trading involves risk.
15. 常見問題(FAQ)
16. 風險聲明
Educational purposes only. 僅供教育用途。本頁資訊僅供教育及參考目的,不構成投資建議或買賣任何證券的建議。
Trading involves risk. 交易具有風險。股票交易、ETF 投資及期權交易均涉及風險,包括本金損失的可能性。過往表現不代表未來結果。
Affiliate disclosure. 聯盟揭露。本網站可能從聯盟連結中獲得報酬,這不影響我們的編輯獨立性。
Fee accuracy. 手續費準確性。手續費與產品可用性可能有所變動,請至官方網站確認最新資訊。 https://fidelity.com
Brokely Editorial Team
Independent Broker Review Editors
Last updated: 2026-05 · For educational purposes only · Not investment advice
Visit Fidelity
前往 Fidelity 官方網站。非投資建議。
Visit FidelityTrading involves risk. For educational purposes only.