If you're not sure if you have access to one, check with your employer's HR department. You can generally only invest in one through work. (Fidelity charges $0 account fees and has no minimums for opening or maintaining a brokerage account.) 2Ĥ01(k): This is an employer-sponsored plan account for investing for retirement. That said, as long as you choose an account with no fees or minimums, there's no harm in going ahead and opening a brokerage account so you have it at the ready. If you're investing for retirement, it generally makes more sense to first start with one of the next 2 account types.
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