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Q: Fidelity vs Schwab for a Roth IRA

Fidelity is VaultRubric's pick for a Roth IRA: it scores 85.3% vs Charles Schwab's 78.4% (a 6.9-point lead) as of 2026-10-11.

Key facts from the comparison:

Regulatory record: Fidelity 10/10 vs Schwab 6/10 (no headline SEC/FINRA actions in last 5 years for Fidelity).
Transfer-out fee: Fidelity 10/10 ($0) vs Schwab 8/10.
IRA options: Schwab 8/10 vs Fidelity 7/10 (both offer Traditional, Roth, Rollover, SEP, SIMPLE; no match).

See full details: Fidelity vs Schwab for a Roth IRA.

All scores meet VaultRubric's methodology (100% data coverage, no disqualifying unreimbursed customer-funds hack in 48 months).

Sources on VaultRubric

Data as of 2026-10-11.

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Disclosures

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