Fidelity
by Fidelity Investments · Finance & Banking · Banking
Full-service investment platform with brokerage accounts, retirement, and financial planning.
Quick Answer: Fidelity has a verified Real Score of 4.5/5 based on 92,000 verified reviews, compared to its App Store rating of 4.8/5. Highly recommended by verified users.
Real Score vs App Store Rating
App Store Rating
Includes unverified reviews
Verified Real Score
Based on 92,000 verified reviews
Gap Alert: Fidelity's App Store rating is 0.3 points higher than its verified Real Score. This suggests that some store reviews may be inflated by fake or incentivized ratings.
Pros & Cons
What Users Love
- Zero expense ratio index funds
- Excellent research tools
- Great customer service
- Full-service platform
Common Complaints
- App can be complex
- Fractional shares limited to some stocks
- Website feels dated
- Some features hard to find
Verified Reviews (20)
The gold standard for investing
Fidelity offers everything - zero-fee index funds, commission-free trading, excellent research, retirement accounts, and actual humans you can talk to. It's the complete package for serious investors.
Zero expense ratio index funds are incredible
FZROX (total market) and FZILX (international) have literally 0% expense ratios. Free index funds from a reputable company. This alone makes Fidelity worth using.
Research tools are comprehensive
Stock screeners, analyst reports, ETF comparison tools, fixed income analysis. For investors who do their homework, Fidelity provides institutional-quality research for free.
Cash management account is a hidden gem
The Fidelity Cash Management Account is a checking account replacement with ATM fee reimbursement worldwide, no minimums, and FDIC insurance. Better than most bank checking accounts.
Mobile app is improving but still complex
The app has gotten better but still has too many menus and options for casual users. Finding specific features requires exploration. The desktop website is actually easier to navigate.
Customer service is unmatched
Called Fidelity about a complex tax question regarding my backdoor Roth. The rep not only answered my question but walked me through the entire process step by step. 25 minutes of free advice.
Retirement planning tools are excellent
The retirement planning calculator considers Social Security, 401K, IRAs, pensions, and spending needs. The guidance on contributions and asset allocation is personalized and actionable.
Fractional shares work for most stocks
Buying $50 of Amazon through fractional shares makes expensive stocks accessible. Not available for all stocks but covers the major ones most people want to buy.
HSA through Fidelity is smart
Fidelity offers HSA accounts with investment options. Using an HSA as a stealth retirement account (invest contributions, don't reimburse until retirement) is a powerful tax strategy.
Moved everything from Schwab
Transferred my IRAs, brokerage, and 529 from Schwab to Fidelity. The zero-fee funds, better app, and superior customer service made it worth the effort. Should have switched sooner.
Active Trader Pro for serious traders
The Active Trader Pro desktop platform has real-time streaming, advanced charting, and quick execution. Not a mobile tool but for serious trading, it's comparable to TD Ameritrade's thinkorswim.
Basket trading is unique
Creating custom baskets of stocks and buying them with a single trade is a unique Fidelity feature. Build your own mini-ETF tailored to your investment thesis. Powerful for thematic investing.
Tax-smart withdrawals in retirement
Fidelity's income planning tools optimize which accounts to withdraw from in retirement to minimize taxes. This kind of sophisticated planning used to require a paid financial advisor.
Youth accounts are well-designed
The Fidelity Youth Account for teens teaches investing basics with real money, parental oversight, and educational content. My 16-year-old is learning to invest with guardrails in place.
Index fund king
Between FZROX, FZILX, FXNAX, and other Fidelity funds, you can build a complete diversified portfolio at near-zero cost. No other company matches this on expense ratios.
Managed accounts for those who want help
For people who want professional management, Fidelity offers managed accounts starting at 0.35% AUM. It's more than a robo-advisor but the human touch and tax management are worth considering.
BrokerageLink in 401K is valuable
If your employer uses Fidelity for 401K, BrokerageLink lets you invest in any stock or ETF within your retirement account. Much better than being limited to a menu of funds.
Trust Fidelity with my life savings
Over $500K across various Fidelity accounts. Their track record, financial stability, and SIPC protection give me confidence. When it's your life savings, trust matters more than fancy features.
Charitable giving is easy
Donating appreciated shares through Fidelity Charitable is tax-efficient and straightforward. Set up a donor-advised fund and recommend grants to charities over time.
Best brokerage for most people
Zero-fee funds, no commissions, great research, excellent service, and a full range of account types. Whether you're a beginner or advanced investor, Fidelity serves you well. My top recommendation.
Showing 1-20 of 12,847 reviews
Have you used Fidelity?
Share your honest experience and help others make better decisions. All reviews go through our 5-step verification.
Write a Verified Review
Your review will go through our 5-step verification process
Fidelity FAQ
Is Fidelity worth downloading in 2026?
What is Fidelity's real rating without fake reviews?
What do users like most about Fidelity?
What are the biggest complaints about Fidelity?
How does VerifiedAppReviews rate Fidelity?
Last updated: April 2026