Fidelity Funds IRA Review

I am a 20 something adult and when I started working full time that last thing on my mind was the 401K account. The company that I worked for at the time offered something similar to the Fidelity Funds IRA. It is a Fidelity 401K account and even in this rocky economy it is making me money$$$$. My only con with using it is that now that I am no longer employed with that company I am not able to add to this account and looking at the comparision where I am adding growth to this plan; my new funds at ING are seeing a decline. I know that every one says it doesn't matter becuase I am buying low to build more units in the future but the peice of mind that I receive from Fidelity Funds IRA is better. It feels great to sign into the account and see the green growth symbols instead of the red ones. Ulitmately I think just having an account to save for my future puts me at least 10 years ahead of the retirement game, until then I will just use Mypoints.com to get free rewards to live a frugal life.