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As someone who reviews brokers from a trader’s perspective, I find Fidelity’s account structure quite distinct from typical forex platforms. Their accounts are tailored more toward investment and retirement solutions rather than active forex or CFD trading. Fidelity offers four main account types: Personal Investors, MPF/ORSO members, Intermediaries, and Institutional Investors. For me, the main difference between them isn’t about leverage or spread options, but about the intended client and investment access. Personal Investor accounts are designed for individuals looking to manage their own funds, access a range of mutual funds, or set up monthly investment plans. MPF/ORSO accounts cater specifically to those involved in Hong Kong’s retirement schemes, providing benefits and fund options focused on long-term retirement planning. Intermediary accounts are available for financial advisers and consultants who act on behalf of clients, granting them tools suitable for professional portfolio management. Institutional accounts, meanwhile, target larger entities—corporations, pension funds, and family offices—with access suited to bigger transaction volumes and possibly bespoke services. Crucially, Fidelity does not provide demo accounts or Islamic (swap-free) accounts, which limits flexibility for certain traders. Overall, the differences reflect Fidelity’s focus on long-term investment rather than high-frequency trading, and when assessing suitability, I have to consider my own financial goals and needs, as each account type is aimed at a quite specific investor profile.