You have a HUGE array of options with a Fidelity IRA (as you would with one at Schwab, Vanguard, etc.). One of the best benefits, however, is the ability to get assistance with your retirement plan. Depending on how close you are to retirement you will have different needs (for example, probably a different risk tolerance) and you need to talk with a professional to narrow the field. Fidelity offers that type of assistance free of charge, whether you have 2500 or 25 million invested. Give them a call.You can educate yourself using the offered online tools (they will help with that process) until you feel comfortable doing it on your own, or you can find a single fund that can do it for you, or hire them to act on your behalf. It just depends on what your plan needs.