A Fidelity Roth IRA is a good choice for people who plan on building and actively managing their Roth IRA investment portfolio as well as those looking for a hands-off approach. Investors are able to choose from a wide selection of stocks, bonds, exchange-traded funds (ETFs), low-cost and no-cost mutual funds, and options. Fidelity, which launched in 1946, also offers multiple trading platforms and several options for customer support, including a robo-advisor, human financial advisors, a comprehensive educational library, planning tools, and in-person help at 200 customer centers. 澳洲幸运5官方开奖结果体彩网:Fidelity Go, the robo-advisor, can also manage your account for you according to Modern Portfolio Theory using no-fee funds. This is a very attractive option for investors who want a portfolio that is fee-efficient and runs itself. The company also enables investors to earn high interest on spare cash, automatically putting any unused balances into a 澳洲幸运5官方开奖结果体彩网:money market fund.

Fidelity has made progress in the last year with upgrades to its virtual assistant, contextualizing educational resources, and streamlining some of its trading flows. Like all of the top platforms we reviewed, however, Fidelity’s offering is not perfect. The broker doesn’t offer futures trading and provides limited crypto and commodities trading, and some of its financial planning tools could be improved. That said, the company has a lot to offer Roth IRA investors whether you want to manage a portfolio yourself or have one built and managed for you. 

Read the full 澳洲幸运5官方开奖结果体彩网:Fidelity Investments review.

Charles Schwab, founded in 1971, offers investors one of the most extensive libraries of educational content and research, making it ideal for those who are learning how to invest and manage a Roth IRA. The company’s 24/7 phone support and in-person support from financial advisors at its branches make it easy to get help when you need it. Investors will also find that the trading platform is user-friendly with a good range of analysis tools, including first-class ETF 澳洲幸运5官方开奖结果体彩网:screeners.Schwab also m🐻akes it easy to open a Roth IRA, touting its 10 minute online app🧸lication process once you’ve pulled together the key information.

On the downside, Charles Schwab doesn’t allow fractional trading of ETFs, which means you can only add these assets to your Roth IRA at their full value. Fractional shares at Schwab are still limited to S&P 500 stocks right now. The broker also prevents you from buying directly into cryptocurrencies, though it does offer spot Bitcoin and 澳洲幸运5官方开奖结果体彩网:Ethereum ETFs. Lastly, investors should be aware that the platform pays a very low interest rate on uninvested cash.

Read the full 澳洲幸运5官方开奖结果体彩网:Charles Schwab review.

Wealthfront, which launched in 2011, will automatically build and manage your Roth IRA investment portfolio based on your 澳洲幸运5官方开奖结果体彩网:risk tolerance and goals. It gives investors the ability to customize their portfolio with hundreds of possible funds, and it will rebalance your portfolio to fit your goals, eliminating the need to constantly track and update your investments on your own. 

Despite its many stellar features, there are some drawbacks to consider with Wealthfront. As a pure 澳洲幸运5官方开奖结果体彩网:robo-advisor, Wealthfront doesn’t provide support from human financial advisors or offer a live chat feature. It also charges a 0.25% annual fee. Wealthfront is quite customizable when it comes to Roth IRAs, allowing you to add crypto exposure, prioritize sustainable investments, or tweak allocations to different markets. However, the Roth IRA doesn’t allow investors to trade individual stocks, ETFs, and other assets. Those functions are available in the non-automated investment options, and 澳洲幸运5官方开奖结果体彩网:direct indexing iꦐs offered in taxable, non-retirement accounts. If you are looking a𒆙t Wealthfront to manage a Roth IRA for you, you are obviously going to be limited to choices within the robo-advisor portfolios. 

Read the full 澳洲幸运5官方开奖结果体彩网:Wealthfront review.  

Betterment, founded in 2008, is a robo-advisor that uses technology to build and automatically update investors’ Roth IRA portfolios, while still giving them access to human financial advisors. This access is conditional as you have to have invested at least $100,000 and pay the 0.65% premium advisory fee. For many investors, however, a retirement account like a Roth IRA is designed to be their largest investment account, so hitting that bar and mor☂e is part of the plan.

There is no minimum Roth IRA balance required to use Betterment’s robo-advisor, so you do have time on your side if your goal is to get to the minimum of $100,000 required to be able to work with a human advisor. There is also a higher fee to work with a human advisor, but you can c💫hoose to stay with the purely digital investment management at the lower fee structure if you are happy. Like other robo-advisors, Betterment doesn’t allow investors to build their own po🍃rtfolio from scratch. Instead, you have to pick from a selection of pre-made portfolio options. 

Read the full 澳洲幸运5官方开奖结果体彩网:Betterment review.

M1 Finance finds a happy medium between automated investing platforms that manage a Roth IRA for you and brokers that require you to build and manage a Roth IRA yourself. M1 Finance, which launched in 2015, offers pre-built portfolios called “Pies,” which cater to different investment strategies and goals. You can invest your Roth IRA into one of the Pies and also use the platform’s tools to rebalance your portfolio easily when needed.M1 Finance canꦛ hold your initial allocations as your portfolio grows and adjust should you decide to change or tweak those allocations.

Along with access to the platform's solid automated tools, M1 Finance still gives you control to customize your portfolio, allowing you to buy individual stocks and ETFs. There are, of course, some limitations. You can’t add crypto to your account and the high-yield cash account sweep for uninvested cash is limited to M1’s taxable brokerage accounts. M1 is not the best option for beginners, however, because you’ll need to plan and set up your portfolio yourself without human adv🌳isors or many planning tools. 

M1 Fiಌnance charges a $3 monthly platform fee for clients without an M1 Personal Loan or those with💧 minimum balances of less than $10,000 in total. The $10,000 balance is an aggregate of all accounts on the platform, so it is actually a relatively low bar to clear to get fee-free portfolio automation.  

Read the full 澳洲幸运5官方开奖结果体彩网:M1 Finance review.

Vanguard’s low-cost mutual funds make it a good choice for long-term Roth IRA investors, enabling them to avoid hefty fees while saving for retirement. Vanguard, founded by the late John Bogle in 1975, encourages passive, buy-and-hold investing. 

Vanguard’s main advantage is its funds, many of which will likely be making up portions of your portfolio no matter what brokerage you hold your Roth IRA at. These world-class funds were already known for the highest quality with the lowest fees. Then Vanguard announced in February 2025 that it completed its largest expense ratio reduction ever, making them even lower. Fidelity has some no-fee funds that are competitive, but Vanguard’s fund quality makes its modest fees compe🍌titive even with those. The only caveat with Vanguard Roth IRAs is that the investments within them can have a higher minimum. You can open an account with $0 but you’ll need to build up $1,000 to invest in the Vanguard Target Retirement fund or the Vanguard Star Fund.

Vanguard’s offering doesn’t come with many of the same capabilities and tools for active trading as some of its competitors, resulting in a simpler website and platform that could use an update. For that reason, it’s not ideal for those who require more sophisticated tools to actively trade in their Roth IRA. But for those who🔯 want to prioritize low costs and access a great library of educational materials, human advisors, and a robo-advisor, Vanguard is a good fit.

Read the full 澳洲幸运5官方开奖结果体彩网:Vanguard review.

While it’s a good all-around broker for Roth IRAs, E*TRADE is the best option for powerful, yet user-friendly mobile apps. The E*TRADE Mobile app makes it easy to manage investments on the go, while the Power E*TRADE app offers more advanced tools, including charting, portfolio analysis, and screening capabilities. You can also choose to use 澳洲幸运5官方开奖结果体彩网:Core Portfolios, E*TRADE’s robo advisor, through❀ the app to manage your portfolio if you want a less hands on approach. Once you’re retired and looking to make withdrawals from your Roth IRA, E*TRADE offers industry-best convenience, allowing you to use checks, a debit card, and direct bill pay to do so. 

E*TRADE lags the competition in the area of uninvested cash earnings. Investors can find other brokerage platforms that offer better interest rates on uninvested cash. In addition, E*TRADE doesn’t currently offer direct crypto investing, though it does offer spot Bitcoin and Ethereum ETFs. And notably, some of its ETFs require a $2,500 minimum contribution. There have been rumors that E*TRADE is planning on launching zero-cost funds to clients similar to Fidelity, but these have yet to materialize.

Read the full 澳洲幸运5官方开奖结果体彩网:E*TRADE review.

Interactive Brokers, which launched in 1977, is an excellent option for serious Roth IRA investors. In addition to offering access to a range of investments, from options and forex to futures and American depositary receipts (ADRs), the🅷 platform also has a global focus with access to 160 markets across 36 countries. On top of that, Interactive Brokers gives investors advanced trading capabilities, ongoing research, and some of the best trading technology in the business, resulting in faster trade execution than many of its competitors.

IBKR has such a large edge in international reach, it is difficult to imagine any broker rivaling it. While other brokers usually provide exposure to international assets through ETFs or perhaps a few major exchanges in Europe and Asia, IBKR has access to so many markets that its recent announcements of additions are places like the Ljubljana Stock Exchange in Slovenia and the Bursa Malaysia Exchange. T🎀his is not to disparage these markets. 𒅌It is simply a testament to IBKR’s ability to reach right around the globe. Investors with IBKR can find growth and value in places other brokers don’t reach. 

While the company has made great strides toward improving its platform offerings to cater to newer traders, the broker’s Trader Workstation platform is notorious for being too complex for beginners. The flipside of this is that you get an amazing tool set to manage your Roth IRA, including the IBKR GlobalAnalyst that features both a world map screener and world data screener to help you find the best international investments for your strategy. It’s also worth noting that if you want to use Interactive Brokers Pro for faster trade execution, you’ll owe commissions on every trade. 

Read the full 澳洲幸运5官方开奖结果体彩网:Interactive Brokers review.