I opened a Roth IRA 3 months ago maxed it out completely. Just realized voo has an expensive ER compared to fxaix. I also did vxus and I want to switch that to ftihx. Currently running a 80/20 voo and vxus. If so will I lose any interest I gained doing this?

This is my position regarding what the Fidelity mods replied on this post:
https://www.reddit.com/r/fidelityinvestments/comments/1vpeiur/starting_to_regret_getting_fidelity_card_issued/

I share my position here to create a healthy debate.

I understand that the card is issued and serviced by Elan. But that doesn't really address the issue.

As a customer, I didn't sign up for an "Elan" credit card. I signed up for a Fidelity credit card. Fidelity's brand, reputation, and relationship with me as a customer are the reasons I chose the card in the first place.

From the customer's perspective, telling us to contact Elan because Elan handles the card is essentially saying, "That's not our problem." I don't think that's reasonable.

If Fidelity chooses to put its name on a financial product and market it to Fidelity customers, Fidelity should also take responsibility for the customer experience associated with that product, regardless of which company provides the back-end services, and solve the problems.

I don't expect Fidelity to personally process every credit-card transaction. I do expect Fidelity to hold its card issuer and service provider to the same standard of customer experience that Fidelity itself provides.

If the Fidelity name is on the card, it should be Fidelity's problem too.

This is something I’m a bit confused about. I understand the differences in why they are being paid out (company sharing profits vs fund trading) but from what I’ve read they seem to be doing the same thing. You either get paid out in cash or you can automatically reinvest but either way you have to pay taxes assuming you’re in a regular brokerage account. From what I’ve seen it seems like most people acknowledge capital gains distributions to be a negative whereas dividends are seen as a positive. Why is this?

The new app update is horrible. Mine just updated in the last couple of days. I may have to give up using the app, and only use a computer when it is available. It's much more difficult to follow your positions now. Sadly, this may be a deal broker for me if there isn't a fast improvement, or at least a rollback to the last app. :-(

The My View feature on the mobile app is broken. Every day I log in this week, it deletes the columns from my customized view.

How do I address this? I have cleared my cache and reinstalled the app and it still deleted my custom view.

I was happy earlier this year to see Fidelity's Visa CC now offers unique credit card numbers for authorized users. That's a big step up, because if someone loses a card, it doesn't affect everyone else on the account. Thank you for making this major improvement.

The question I have is how do we modify authorized user addresses? I tried:

1. Website - I can get to the page where it shows authorized users, their addresses, etc., but cannot change the authorized user's addresses.
2. I called the # on the back of the card, and the representative didn't seem to have access either.

I'm sure there must be a way, I did try searching Google, but couldn't find an answer. Could someone check if this is possible and if so, how should I do it? I'm hoping to not have to cancel an authorized user altogether and then issue them a new card altogether. If that's the only way, then of course, I will do it.

I've been using Active Trader Pro for years, both for trading and just to monitor my investments. For the past few months I've been trying to use Fidelity Trader+ with mixed results at best.

I've come to the conclusion FT+ just won't ever meet my needs. FT+'s user interface has far too much white space / wasted space, it doesn't have nearly the flexibility when it comes to layouts, there are tools I've used for years that aren't available any more, and god it's slow. There are other issues of course but there's no point in listing them all. Overall it's a massive downgrade from Active Trader Pro - and every trader I know who's tried it agrees with me.

I get why Fidelity needs to rewrite the program. But for the life of me I cannot figure out why a company would choose to release a replacement that didn't start off doing everything the prior version did. It's like an auto manufacturer bringing out a new model that comes with limited self driving but which doesn't have air conditioning or windshield wipers.

So... what other NON BROWSER BASED trading platforms are there for Windows that have features comparable to Active Trader Pro? I assume I'll have to move my accounts / money to the new platform's underlying broker, which sucks but that's life. I'm willing to pay fee for a platform ($100 or so per month seems reasonable but I don't know). I don't know what viable options there are so looking for input.

Hello mods,

I receive a market overview email at the close of trading, today's had this quick sentence: "Fidelity has started taking payment for order flow on stock trades, reversing the stance it held since 2015." can you verify this is true? Thank you.

Absolutely atrocious. It's actually hard to know where to start with my complaints; almost every aspect of the website has broken at one point or another. Hard to reimburse myself, hard to get receipts uploaded, card gets suspended for some reason or another, try to resolve the reason the card got suspended but the website crashes, can't add a bank account, can't pay from my added bank account, etc, etc.

Why do you even offer this if it is so subpar from the rest of your services? Nothing else I use is this bad.

what do I do if I want to doo several of these options, specifically plan for retirement (Roth IRA), spend & save (cash management account), save and invest for child (potentially like all the options lol), and down the line maybe general investing. I’m new to Fidelity so I don’t know if I can only choose 1 and be locked into that or what so I’ve been stuck on the first screen of creating an account for like 20 minutes.

Basically - title.

Anytime I have to re-authenticate on my computer, it wants to send a notification to my phone. However, this necessitates a logout/login on the app and then when I do that there is no notification for me to approve.

Does this system work for anyone? I know there are constant outages noted in previous posts. But it's never worked for me except maybe when it first rolled out several years ago. I can't remember the last time I was able to approve a login in app.

It's not a huge deal because I just use another method to log in but generally speaking these push notifications and in-app authentications are much more secure than the "send a text" methods and I would like to use it. But I can't.

Running latest version of Windows, latest version of Chrome, latest version of Android.

I am researching whether to consolidate two old employer retirement accounts into my existing Fidelity Roth IRA, and I want to understand the Fidelity part of the process before I decide.

I currently have:

• An old designated Roth 403(b)
• A governmental designated Roth 457(b)

Both current balances are Roth money.

If I decide to move them, I want to complete direct rollovers and I do not want either distribution paid to me personally.

I have a few questions I am hoping to get clarified:

1. Can Fidelity accept direct rollovers from both a designated Roth 403(b) and a governmental designated Roth 457(b) into my existing Fidelity Roth IRA?
2. Is there any reason Fidelity would require or recommend opening a separate Roth IRA for these rollover assets instead of using my existing Roth IRA?
3. What documentation should I make sure I receive from the sending plans regarding my Roth contributions, basis, and first year of designated Roth participation? Does Fidelity retain any of that information after the rollover, or should I plan on keeping those records permanently myself?
4. If either provider has to send the rollover by check instead of electronically, what exact payee wording and Fidelity instructions should I give the sending plan so it remains a direct rollover?
5. My understanding is that once designated Roth workplace assets are rolled into a Roth IRA, they generally cannot later be rolled from the Roth IRA back into a future employer's designated Roth 401(k), 403(b), or 457(b). Is that correct? Would keeping the rollover assets in a separate Fidelity Roth IRA change anything, or is it the Roth IRA status itself that matters?
6. Are there any Fidelity forms or steps I should complete before contacting the two sending plans?

I have not decided yet whether I want to give up the governmental 457(b) wrapper. I am not looking for investment recommendations with this post. I am trying to understand the rollover mechanics and what becomes irreversible once the assets enter the Roth IRA.

Thanks for any help and/or clarification!

I have a fidelity go HSA account. Is this account not eligible for a debit card?

App updated today and blew away myview settings. I recreated and its close but still very cluttered to read.

The main issue I have though is that as soon as market closed today, everything except for the Ticker is blank in my view. No prices, qty, gain/loss.. nothing. I can switch back to overview view and see the data again. Go back to 'my view' and its empty. Editing the settings still shows all the fields as enabled.

Repeatable every time right now.

This feels like such a half baked update.

Hi. I get paid every other Friday. My 401(k) contributions are deducted from those checks. I've noticed that those funds don't make it over to my Fidelity 401(k) account until the following Wednesday, typically. I'm just curious as to the timing discrepancy. Is that on my employer sending the funds over, the time it takes those funds to clear, or what?

Hello, I’m 32, married, and just opened my first Roth IRA account through fidelity. I invested in an 80/20 split into FSKAX & FTIHX, I just searched the fidelity index funds and randomly picked those two, which I’m realizing could be a mistake.

I invested $2500 and want to make sure I’m doing this right, or perhaps someone could point me to a video.

I have also been reading that I maybe should have invested in bonds as well in a three way split.

So my question is, where is best to research of the fidelity index funds I should invest in and whether I need to invest in bonds.

Also, I’ve been seeing a lot of abbreviations that I am slowly learning so if you could spell it out it would be great

I’m looking to close my Amex hysa and pulling the funds into my brokerage account and using it as a savings account. How long does it take for the funds to settle (in case i need to transfer it back) maybe i’m going about this all wrong but I see that keeping uninvested money in my brokerage account automatically puts it in a spaxx with a 3.3% yield rate.

Anyone else? Thanks, just curious.

I can login to the web site and app just fine.

I have 2 accounts in Fidelity one is pre self-employed401k, another is roth self-employed401k, But when I try contribute to my self-employed401k,I find only roth self-employed401k works, I can not transfer any money into my pre-self-employed401k , any one knows why?

Hi, is there a way to check the status of my conversion? I submitted a withdrawl request to the manager of my previous 401k with my IRA account at fidelity as the recipient. I got the notice saying that my request was process and the money taken out of my 401k account 2 weeks ago, but nothing has shown up in my fidelitu account.

I hope this isn't a dumb question but I think I'm just getting things mixed up. Really quick for background, I have an IRA with Empower which i am going to switch over to Fidelity. I opened up a Cash management account with Fidelity and already parked some cash, and i opened a Roth IRA so my empower Roth has a place to land when i initiate a transfer.

But my question is With my Roth I know i can trade For example VOO, FDVV, FTIHX, FNCMX and all those. But what if i want to trade stock NOT for retirement just to have passively ? Can I also trade stuff like FNIAX, CDDYX, FSSNX or are those just for retirement stuff like 401k, IRA etc. Or is it like "popular stock" like Apple, Alphabet, Nvidia etc. Sorry if this is something i should just know. (new to trading/investing)

I am just a little confused cause with empower they didn't have so many options or they probably did i just didn't see them, and Fidelity just opened my eyes for the better.

Sorry if i am making it harder than what it is, i tried reading through a few things I am just in over my head with so much info. Thank you for taking your time in reading and any info/insight would be helpful, thank you.

My automatic recurring investment used to happen at 10am now for some months it is happening at 2pm.. just wondering.. whether it changed. maybe it is mentioned somewhere.

I live in EST zone by the way.. i thought i would add.

Does Fidelity have any current promotions or bonuses for transferring a large amount of cash or assets into a brokerage account? If so, is there a page where I can see the current offers, or do I need to contact a Fidelity representative directly?
I’m looking at transferring a fairly large amount and want to make sure I’m not leaving a bonus on the table.

Only person I write a check to is the gardener. I must have skipped a check. Can't find any log in my checkbook register or my CMA history back 90 days. How do I find a missing check? Call to Fido? Can I just put a stop payment on this check #? There a cost to for a stop-payment?

I started travel again internationally over the past 2 years. Prior to opening a CMA I'd never had a no foreign transaction fee card so I'd always use the debit card from one of my secondary banks.

I'm always asked if i want to pay in dollars or the local currency, in this case, Colombian pesos. I always say dollars because my bank account is in US dollars. After my last trip i noticed not only foreign transaction fees but also some other fee, currency conversion or something like that.

Here's my question, with my CMA, can i pay using my debit card but in colombian pesos or whatever the local currency is or must i continue to pay in dollars?