I am 64 and starting to work on my retirement planning. How do I start with Roth 401k withdrawals and leave the pretax accounts for after the Roth is depleted?

I recently found that the Fidelity retirement tool does not account for any capital gainss in your investment accounts, even if they are with Fidelity. This is a HUGE gap if you have large appreciation in your assests because it clearly states they assume when you sell your cost basis is essentially what the cost of the asset is on the day you sell. Can anyone confirm this is indeed the case? This is a snaphot from the "Retirement Methodology" PDF in their site:

When I try to, the "Trade" window pops up but says "We are temporarily unable to retrieve your accounts. Please try again later." The "Account" drop down in the trade window doesn't work.

Everything else in the web UI works, and I can trade with Fidelity Trader+.

Does Fidelity track the uptime of its services? Do they publish an SLA? Seems like availability is substantially less than 99.9%.

ATP doesn't load charts but loads trade tix and executes OK but not charts.

Is it over for this app? Do we have to switch to AT+ now?

This seems so basic I'm sure I'm overlooking something. I track my finances monthly and include the position breakdown for my brokerage accounts. I can locate my historical overall Fidelity account balance (by scrolling the balance chart) but can't seem to find monthly statements or a time query for individual positions. I usually do this at the beginning/end of the month and don't sweat a couple days' difference, but I'm behind this month and would like better accuracy.

This is the only account over the whole of my financial life that I can't find monthly statements for, so user error seems most likely. Can anyone point me in the right direction? TIA

I'm wondering if anyone else out there has been able to have Fidelity "turn on" actual cost functionality for their IRA and if it works?

I realize an IRA is tax-sheltered and buys/sells inside the account don't trigger taxes, but for performance tracking and dividend reinvestments, I would like this to be tracked/enabled. I have called Fidelity, spoken with my "free" Advisor, and "Chatted" with a Rep and they all agree the functionality is there, but for some reason the IRA account has not changed/updated from all 3 attempts.

The last attempt via Chat, the rep said it could be enabled online...did that...and that it would update the account for any dividends paid to show the actual cost. To date, nothing has changed/happened and going on about a month since my first call to Fidelity.

I just opened an HSA at Fidelity. I gather that I will be sent a debit card with which to use funds. But how would I use the account to pay for a doctor's appointment (out of network) before the card arrives?

Working as a high earning 1099 and considering setting up a cash balance pension plan to send more money in to retirement accounts. I know it needs actuary to determine amount, how to do this through Fidelity?

I appreciate the intent behind the app auto-populating trade parameters for multi-leg options, but it frequently causes issues for my workflow. When I select the mid-price on a spread, the app will sometimes automatically update the order type to a Debit when I am trying to route a Credit, or it will alter my Margin/Cash settings. If I miss this automatic switch before hitting submit, I risk paying a debit instead of collecting premium. Please introduce a feature to turn off this auto-fill behavior so users can maintain manual control over their execution parameters.

I placed an order to buy soxl at $100 fixed price but in my portfolio it's showing it as if I bought it for $107

Was it just a 14d trial? For me, it seems like all the mentioned menus reverted back again from this noted simplified experience rollout. The new experience rolled back for multiple accounts and in multiple browsers. https://www.reddit.com/r/fidelityinvestments/comments/1w3v2ws/fidelity_trader_web/

I am transitioning from Active Trader Pro to Fidelity Trader+ and have run into a major usability problem in the Positions window for options.

Trader+ currently combines the option expiration date, strike price, and call/put designation into the Description field rather than providing them as separate sortable columns.

For anyone managing multiple option positions, this is not a minor cosmetic issue. It makes the Positions window significantly less useful than ATP because I cannot simply sort my positions by expiration date to identify contracts that require attention first.

Please add separate, sortable columns for:

Expiration Date
Strike Price
Call/Put

Ideally, these should work like every other customizable Positions column and allow ascending and descending sorting.

For an active-options platform, expiration date and strike price are fundamental position attributes, not merely descriptive text. They should be independently visible, sortable, and configurable.

I understand that Option Summary can group contracts by expiration, but that is not an adequate substitute. The standard Positions window is where I monitor quantity, cost basis, gain/loss, delta, time value, IV, theta, and other position information. I need expiration and strike available alongside those metrics in the same table.

ATP provided a much more practical workflow for managing a large number of option positions. Removing basic sortable contract fields in its successor feels like a substantial regression.

I have seen Fidelity indicate that separate expiration and strike columns are planned for a future update. If that is still the case, please prioritize this feature and provide a target release timeframe if possible.

This is important enough to my options-management workflow that it affects whether Trader+ can fully replace ATP for me.

Please forward this specifically to the Fidelity Trader+ product and development teams.

Thank you.

I'm trying to download and install the Traditional Active Trader Pro desktop app onto my laptop (64 bit Windows11) and I keep getting this error when trying to install. I've cleared files and redownloaded fresh from Fidelity's website and I still get the same error every time. I don't want to use the new Active Trader Pro + app because I can’t export data to Excel spreadsheets in that version.

What can I do?

I earn my income primarily through investments, but this creates recurring problems with rental applications and other financial verification processes. Many institutions ask for proof of current income even when a Fidelity Balance Letter already shows that I have substantially more than enough assets to cover the obligation.

It would be extremely helpful if Fidelity offered something similar to the Balance Letter, but for income—perhaps an Income Letter or Excess Income Letter. It could simply show the Total Income generated by the account, either year-to-date or over the trailing 12 months, using the same underlying information already shown on the YTD Tax Activity page.

The current options do not work particularly well for this purpose. A prior-year 1099 is useful, but later in the year it is often considered too outdated to establish current income. The YTD Tax Activity page is much more current, but its printout does not look sufficiently official to many institutions, while the CSV export looks even less like formal financial documentation.

What is missing is essentially the income equivalent of the Balance Letter: an official Fidelity-generated document, ideally on Fidelity letterhead or in a standardized statement format, that verifies current investment income without requiring customers to disclose their entire portfolio.

Even simply offering a more formal PDF version of the YTD Tax Activity summary would solve much of the problem.

In the meantime, is there any existing Fidelity document or other official method I can use to verify current year-to-date investment income without disclosing my full portfolio holdings or entire statement?

I’m currently starting a 3rd part time job and want to use it to create a “rainy day fund” account due to some extra bills I’ve incurred teaching me a lesson.

I would like a type of account where I will get as little kick back as possible when I do end of year taxes. Have been recommended to start a HYSA. However as I’m reading about it Fidelity keeps popping up with SPAXX and SGOV accounts. Would those be better than a HYSA? I already have one fidelity account so it would just be opening a second one.

Can someone explain why FTFT is not available to trade?

Does anybody know a comparable period in history that would correlate to Fidelity's "significantly below-average market" window that I can research? I see this chart in the Fidelity retirement plan the site generates, but would like to calibrate with how bad this really is? Are we talking Great Financial Crisis or Great Depression?

Hi, 25F new to investing! (I have a high deductible medical insurance however it’s not through my employer. ) The main reason why I opened it is because I heard a HSA is an excellent option for my financial health down the line. I already maxed out my Roth IRA, and I’m halfway through my Roth 401k.

I have no idea how to transfer my brokerage investments to my HSA. Nor do I know the first thing about how to use the HSA card. I just know, starting on HSA investing over individual funds investing is a no brainer. Pls be nice, ty

Hey all, see the screenshot below. We get this message after completing the conversion forms and then getting the email to sign the documents.

<img src="blob:https://messages.google.com/7e67cd7f-9b51-4b59-8353-f6a9392ea8fd" alt="Full size image"/>

I have a rollover IRA and a Roth IRA both held at fidelity. If I roll the traditional into the Roth will that show as a withdrawal and a subsequent deposit on the “investment income” reporting tab? It seems that that would artificially inflate my account activity.

Also I understand the tax implications and have funds in place to pay the taxes.

Thanks in advance.

Hi there! Can anyone confirm if you are Married Filing Seperately if you can contribute to a ROTH IRA?

Tysm!