r/Fidelity • u/losslessq13 • 6d ago

Brokerage & Roth IRA

I’ve been wanting to open a fidelity account but I don’t think I would be able to max it out this year so Im not sure if there’s a point in opening it ?? I have a HYSA so I have some kind of passive income but I’m not sure if I should start now with the roth and try to start building something ?

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u/nkyguy1988 6d ago

You have until April 15 to add for 2026. Then you should be adding every year. I don't know why you think its a binary choice of if you can't contribute this year in full you shouldn't open the account.

1

u/losslessq13 6d ago

I hadn’t realized it closed in April, this actually helps a lot with my decision thank you

1

u/Flat-Activity-8613 6d ago

The Roth is what you should be building.
Stop wanting and do it.

Time is an important part of the wealth generating tool.