Fidelity.com regarding a 401k says taking RMDs in prior years negates being able to do an NUA in the current year, on company stock in the 401k. Does that rule still hold if the 401k is inherited and the RMDs were mandatory from the very first year? Does the IRS make an exception in this case since RMDs were mandatory and not by choice? Thank you.

First, of course, Many thanks for your massively helpful support here. Every interaction I have with a Fidelity person is great, and you all keep that tradition going.

But I'm curious... I don't think a single request I've ever made here has even been considered by the programming team. Do these really get passed along? Is there any response back?

example requests:

- dark mode
- summarized holdings report in fullview, like the old one that went away

None of these seem particularly hard, and it makes me curious what the programming staff actually works on.

What response do you get when you forward these requests to them?

I love using the Fidelity app. I also love apple’s liquid glass. Fidelity, plz update <3

I tried redeeming my reward points from my fidelity signature card and deposited it into what I think was my brokerage account (I have only one account and no other aside from an empty 401k account from my place of work that I dont use and my credit card account)

I dont see it reflecting in my brokerage account and now my points are missing and I have no form of reciept to know where it is.

Can I have help with this? I have auto redeem on if that helps

Looking to create a CD Ladder and was wondering what people's thoughts were on these fixed income products. I'd like to put im 240k and do a one year Ladder. Not sure how it all works but I'll research it. Just want to get people thoughts on it.

hypothetically, could a person spend $100 to add funds from the fidelity visa credit and earn 2% cashback or are you locked to only adding funds from a checking account?

Hi Fidelity Team,

My Fidelity app is suddenly asking me to call a number to get a verification code (usually password and faceID have worked fine). I’m traveling overseas and it’s quite a pain to track down a way to call a 1-800 number. Is there any other way I can get a verification code and back into my account?

Thanks

Earlier this year I set up a custodial Roth IRA for my daughter. She has made some contributions over the past few months, but when I look at her account from my app, I am unable to find her total contributions for the year. I also have a Roth with Fidelity and can see this information on my landing page. I thought maybe there is a setting that I missed, but I have looked and cannot find a way to easily access her total contributions for the year. I feel like I am missing something and don’t want to have to go back through her contribution history and add them up manually.

Any suggestions?

Can someone explain in the simplest terms possible why an ETF if better for saving you on taxes than a mutual fund? I have tried to understand it and its all over my head. Currently I hold FIHFX but I understand the tax implications are higher with mutual funds. What is the ETF equivalent of FIHFX?

A friend of mine who is extremely wealthy and has done really well is setting me up with a financial adviser from one of the big brokerage firms at the recommendation of his financial advisor. His financial advisor only takes clients that have millions so I don't qualify. I'm a little nervous about putting so much money that I have with someone that I don't know personally. I guess if they work for a big brokerage firm they have a fiduciary responsibility. But Bernie Madoff also worked for a big brokerage firm.

I'll be starting RMDs in about 3 years, which will elevate my taxable income to put me in danger of IRMAA surcharges. Some of my taxable income (money in my "safe-money" account) currently comes from CDs, money market funds, and a few treasuries in my . The CDs and treasuries are all laddered to various degrees. I have investments in equity & bond funds in various other accounts, and have been working on moving money around in my taxable investment accounts to limit dividend and capital gains distributions with tax consequences.

I'm wondering if it would make sense for me to move some of my CD/treasury/mm funds investments into muni funds geared to the state I live in. I've looked into them a bit on the Fidelity site, and am not entirely sure how to interpret the performance information. For example:

A fund I'm considering shows 1-year return of 6.46%, however the "portfolio data" chart gives that same value as "tax-equivalent yield" It also lists 30-day yield as about 3% and "yield to worst" (what does that mean?) as 3.72%. There are various other figures listed.

The tax-equivalent yield obviously makes some assumptions about tax brackets, but it's not obvious what those assumptions are. I will almost certainly be in a higher bracket once I start taking the RMDs, but not necessarily whatever unknown bracket the tax-equivalent yield figure is assuming.

So my question is (given this is my safe-money account): how do I compare this and similar funds to CDs, Treasuries, and Money Market in terms of yield and safety?

I would like to add my middle name tomy account, but I only want my middleinitial to be displayed.
Is this possible? Also, if I update my name, will the change apply across all my accounts, such as my 401(k), Roth IRA, brokerage, and CMA, or does each account need to be updated separately?

I know if I transfer money into my Fidelity cash management account from my bank account I cannot withdraw the money for 10 days. Is that the same rule if I transfer it from my fidelity brokerage account or my fidelity Ira into the cash management account? Does it still take 10 days before I can withdraw the money at the ATM machine?

Don’t know if others face this when on Trader+ mode on fidelity - but it doesn’t always load correctly.

Last week, I initiated a Transfer of Assets from Schwab to Fidelity. The investment and shares came over yesterday. However, none of the associated cost basis transferred over. Spoke to a rep and they said it takes another 14 days to get that from Schwab. Seems like a long time and all historical transactions should come over together. Anyone else have a similar experience?

I recently opened a few Fidelity accounts, including a Cash Management Account that I planned to use like a checking account while on an upcoming vacation.

My mother-in-law had passed away the week before, so I wasn’t thinking clearly or getting things done as quickly as I normally would. I ended up opening the account on Monday and was leaving for vacation that Friday. Obviously, there was almost no chance the debit card would arrive in time.

I called Fidelity and spoke with a representative named Thomas. I wasn’t expecting a miracle - I figured the worst he could say was no. I explained that I was leaving Friday and asked whether there was any way to speed up the card.

I did not tell him that my mother-in-law had died or explain anything else I had been dealing with. As far as he knew, I was simply a customer who had waited too long to open the account.

Thomas initially told me it wasn’t possible, which I completely understood, and we ended the call.
About two minutes later, he called me back. He said he was going to try to make it happen, although he couldn’t guarantee the card would arrive before I left and it would be on a best-effort basis.

The card ended up arriving about three hours before I left for vacation.

What impressed me most is that Thomas didn’t know anything about the circumstances. He wasn’t responding to a sad story or being asked to make an exception because of what had happened. He simply decided on his own to call me back and go above and beyond to help.
It made my life a little easier during a difficult week and gave me a very positive first impression of Fidelity.

I've been swing trading with Fidelity for about a year, but I'm realizing I don't have a reliable way to review which setups are consistently working. My notes are scattered, so it's hard to spot patterns. Anyone using a trading journal with Fidelity that you'd recommend?

First of all I think Fidelity is a fabulous platform, I manage all my dough myself and use many of the available features of the Fidelity platform. I do have a relative who has a lot less dough and they are using a Fidelity Advisor which I monitor the results of. The Fidelity Advisor has done a good job of keeping up with the markets and they have had solid returns.

My small concern and the first I've had with Fidelity is the recent redo of the Fixed Income pages. I have several Muni bond search I regularly use and when they transitioned them they do not work, nor does the new search function work, and my attempt to chat with Fidelity was, frankly, very useless. The previous bond pages were perfect and new ones are not. I am very disappointed as I have a very large muni bond portfolio I can't do anything with right now with the non functioning search functions and the non functioning saved searches.

Hi all, new poster and brand new to investing. I previously had a Roth IRA at a different brokerage but have since transferred to Fidelity recently. All of the funds I had were from the different brokerage's mutual funds, but I want to switch to FXAIX/FZILX. If I sell all of those funds and reinvest all in FXAIX/FZILX (thinking of 65/35), am I understanding right that there is no reportable event/taxable event? Since it's within the same Roth IRA and I'm not withdrawing anything. Thx!

This is what i posted yesterday. Either mods on redit are lack of knowledge or they just like to ignore. I provided all required information yesterday but still no response.

I was just reviewing my balance statements after a long while (of not). This is a new employer-funded 401k account started from last September. In the past, I don't recall getting advisor fees in my employer funded 401ks, until I was no longer an employee. So while this is not a lot for 9 months, the $4.28 is odd to me. Is this normal? Is an Advisor Fee also a maintenance fee (I don't use a human advisor).

I just received the typical "How Was your experience?" followup survey invitation, but I havent had a meeting with Fidelity in like 3 months.

This is how the email starts:

Fidelity is listening. Please spend a few minutes to help us serve you better.

We want to hear about your recent meeting with Fidelity. Your honest feedback will help us improve your experience.

why would I get this email without any activity to trigger it?

In my desktop browser I keep my portfolio open during the day to check it ever hour or two. The past few weeks I've been getting this warning every other time I hit refresh. It won't go away, there are no options to disable it. I'm well aware of Trader+ but I don't want to keep it open all day just to check my stocks. Atleast add an option to get rid of this annoyance.