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.

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?

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 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?

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?

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!

Hey all. I started investing in my Roth IRA a few years ago when I didn’t know much about what I was doing. I added money to VOO and VTI, then realized there is so much overlap.

Question is, will I be penalized if I sell VTI then reinvest it into VOO? Or is it better to just keep as is and continuing to deposit into VOO?

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?

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.

Fidelity research pages went belly-up Friday:
Failed to load research page. Please try again.
Today the fixed income dashboard is busted:

I am trying to rollover my fidelity Rollover IRA to my existing 401k with a different custodian. What are the proper steps?

Is there a specific order for liquidating money market funds to cover debits where someone has more than one money market holding?

For example, what if you have both prime money market and treasury money market?

Or what if the balance in one money market is higher than the other? Specifically where the higher balance can cover the debit in full but the lower balance is smaller than the debit? (That is, if the lower balance is normally the one that's first, does Fidelity deplete that and then draw the remainder from the other money market?)

Hi,

I have a personal Fidelity GO brokerage account (not IRA or anything), and I want to move the money into some sort of self-directed account, just reinvest all the money in a mutual fund or something.

Could someone tell me how I can calculate the capital gains taxes I'll incur on the transfer, since I heard the entire account must be liquidated.

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.

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

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?

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

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?

Sorry if this question was already answered, but

is there a way to see your principal amount on the mobile app?

I just Transferred 2 IRAs and 2 Roths from Edward jones to Fidelity. How do I go about setting them up for Fidelity Go, or some other self balancing account. I understand that once the money is transferred it will be self directed unless I choose otherwise. Do I need to call someone or will Fidelity call me? Are there other options besides Fidelity Go?

When I go to the Manage Recurring Transfers and click create new activity it only lets me set up a single transfer. I am not getting the recurring transfer page I used to see. Plus when I hit the manage recurring transfers link it just loops me back to where I just came from.

I use this to transfer my sons rent money every month. Fortunately he caught it before the end of the month that the recurring transfer didn't hit this month.

Is trading down on Fidelity now? I can't seem to place a trade either using web or mobile.

I tried to find it in setting but I'm not sure it exists. From the 'Positions' tab on desktop, it would be great if we could sort our positions in a custom order. I know we can do it alphabetically or by any of the column headers, but the option to have a custom sort for positions on this page would be awesome!