Best Roth IRA 2026: Fidelity vs Schwab vs Vanguard Compared

Fidelity is the best Roth IRA provider in 2026 for most investors — its $0 account minimum, zero-expense-ratio index funds (ZERO funds), and 24/7 customer service combine to make it the most accessible full-featured option. Vanguard pioneered the index fund and remains the best choice for buy-and-hold investors who prioritize the lowest long-term expense ratios across the broadest range of fund choices. Schwab is the strongest competitor at $0 minimum with excellent research tools and the Schwab 1000 Index Fund at 0.05% expense ratio — roughly equivalent to Fidelity for most investors, with stronger banking integration.