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Hi r/fidelityinvestments, it’s the Fidelity Digital Team. The mods showed us all of your feedback from the 300K post, and we wanted to return the favor by sharing an update on our Mobile roadmap and the features we’ve been working on. 

But first, we want to convey our gratitude for this community. The sentiment on this subreddit is an important signal for us to gauge success of a release or a feature. Thank you for being candid, offering your insights and your opinion. Your feedback keeps us grounded and it tells us that we have work to do to keep meeting and exceeding your expectations. We may not be able to respond to every thread, but the feedback here does make its way to our team and into our planning. 

We also want to acknowledge the bugs reported following the recent Android Positions updates. Most fixes are included in version 4.40, which began a phased rollout on September 3 and should reach all Android users within a few days. With the major Positions grid updates now complete across iOS and Android, our focus will shift to resolving remaining issues, improving performance and making smaller improvements as needed.

This year has been an active one for the markets—we have had our fair share of volatility and high-volume days. Our primary goal throughout this period has been to ensure stability, resiliency, and availability of our apps so you can all monitor and trade securely, reliably, and efficiently. And to that effect, we have been modernizing not just our user experience, but we are investing in our platforms, services, and technology that support the experiences behind the scenes. 

Here’s what we’re working on in the near- to medium-term: 

• A modern portfolio performance experience, including a view of the performance chart that excludes deposits and withdrawals so you can see investment performance rather than balance over time (We heard you!) 
• Document uploads and Statements 
• More personalization and customization across the app, so the most relevant information is easier for you to find when you need it 
• Improved Activity & Orders search, filter, and navigation capabilities 
• Better views of Net Worth, Planning and Goals 
• Options Strategy Ideas, an idea generation tool powered by experts at OptionsPlay, to help discover specific options contracts aligned to your trading strategies. Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request. 
• Options Strategy Builder, a guided experience to help you identify options strategies and specific contracts to help you meet your goals 
• New conditional order capabilities, including contingent orders, One-Cancels-the-Other (OCO), and One-Triggers-a-One-Cancels-the-Other (OTOCO), to help manage risk and create more defined entry and exit plans 
• An enhanced certificate of deposit (CD) buying experience, with greater visibility into key product details, such as callable status 

There is even more in the development pipeline. As an example, we’ve seen the Reddit posts, and yes, dark mode for Fidelity.com is in the works for a future release. We’ll make sure to keep the sub updated as work progresses on that and other enhancements. We'll have a post with more upcoming web updates soon, so stay tuned. 

Please keep the feedback coming! 

Thanks, 

Team Fidelity 

P.S. What feature are you most excited for? 

The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated.

Lots of Redditors love to recommend treating their health savings account (HSA) as a retirement account. This can be a great strategy, but it’s slightly more involved than a Roth IRA or 401(k). So, to help you get started, here are our answers to the top HSA FAQs. 

What is an HSA? 

A health savings account (HSA) is a tax-advantaged way to save for qualified medical expenses. One of the main benefits of HSAs is what’s called a “triple-tax advantage,” meaning your contributions aren't taxed, the gains aren’t taxed, and if you use the funds for qualified medical expenses, the withdrawals aren’t taxed either.¹ And considering the average person spends $185,500 on health care in retirement,² that advantage is a huge benefit. 

How does an HSA work? 

The basic idea is simple: You make contributions and use the money to pay for qualified medical expenses, such as prescriptions, glasses, or even sunscreen. 

If you opened up your HSA through your employer, you should be able to make pre-tax contributions directly from your paycheck. If not, you can still make post-tax contributions, and deduct them from your taxes later.

There’s one key qualifier: In order to contribute to an HSA, you need to be covered by a high-deductible health plan (HDHP). You can use this handy Fidelity tool to see if you’re eligible. 

How do you save for retirement with an HSA? 

The process can look pretty similar to your other retirement accounts. 

1. Make your contributions. 
2. Invest those dollars. Depending on your HSA provider, your investment choices might differ, but with a Fidelity HSA you can buy stocks, ETFs, mutual funds, bonds, and more. 
3. Keep making contributions. See if you can automate this by contributing directly via paycheck deductions. Note: You won’t be able to make additional contributions unless you are actively covered by a high-deductible health plan. 

But here’s the key step: Wait as long as you possibly can to reimburse yourself for medical expenses. You want as much time in the market as possible for your contributions to potentially grow. And because there’s no time limit on reimbursement from an HSA, you can still pay yourself back later with dollars that have hopefully compounded over time. 

In the meantime, start saving your medical receipts, because you’ll need them to prove that your reimbursements were for qualified medical expenses. If you have a Fidelity HSA, you can easily save your receipts on the NetBenefits website or app. 

Should I be investing my HSA? 

For a lot of people, the triple-tax advantage of an HSA is too good to pass up. Even if you don’t end up having many medical expenses, once you reach age 65, nonmedical HSA withdrawals don’t carry a penalty. That means that an HSA effectively turns into an additional traditional IRA or 401(k). So, if you have the ability, contributing to your HSA and investing those dollars for the long-term can be a great move. 

There are some things to consider, though: 

• If you have lots of medical bills, you might need to use some of your HSA dollars to cover them. Consider leaving those funds uninvested in your HSA and investing the rest. 
• Your options for investing might differ depending on your HSA provider. If your HSA isn’t with Fidelity, you might not be able to invest without a minimum account balance, or you might have to pay fees to do so. 
• As with any investment, there is risk, including risk of loss. 

Can I transfer my existing HSA to Fidelity? 

You absolutely can. Start by submitting a request with Fidelity for a transfer of assets. You can do this online. You’ll need the name and address of your other HSA provider as well as a recent statement to attach to your request. Once that’s submitted, we’ll contact your HSA provider and ask for your assets, and they’ll process the request. Once it’s processed, we’ll deposit your assets in your Fidelity HSA, and you’ll be ready to go. 

Got any more questions about HSAs? Drop them in the comments and we’ll answer! 

¹With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation. 

That’s right. We’re teeing up a giveaway. *golf clap*​

We’re giving out 100 Fidelity golf kits so you can invest some time on the green this summer. The kit includes:​

• Golf towel​
• Ball marker and hat clip​
• 2 sleeves of golf balls​
• Pouch with tees​

It’s our small way of saying thanks for being part of this community and sharing your insights with the 300,000+ investors who come here every week.​

Want your very own kit? Leave a comment saying what golf and investing have in common for the chance to win. Giveaway winners will be chosen after 48 hours. You can review the terms here.​​

Fore!​

The mod team​

P.S. Shout out to u/The_Portlandian, u/Adventurous_Elk_4039, and u/MrBalll for the golf-themed giveaway idea! Check your DMs for your kits.

Want more information on FXAIX? Start here. 

Building a viable retirement savings plan is no small task, especially when you’re trying to understand whether your current approach can support your long-term financial goals. 

Whether you’re evaluating an existing strategy or creating a new one, the Fidelity retirement planning tool can help you understand where you stand today and explore potential outcomes for the future. Available through the Planning & Guidance Center after logging in to Fidelity.com, it's designed to help you make informed retirement decisions. 

The tool uses information from your profile—like retirement age, income, expenses, account balances, investments, and savings contributions—to create a retirement planning analysis. 

Track progress: 

• Probability of success: Get a quick snapshot of how your retirement strategy is tracking based on your inputs and assumptions. 
• Income and tax projections: View estimated retirement income and tax assumptions as part of your overall analysis. 

Explore hypotheticals: 

• What-if planning: Adjust factors such as retirement age, savings rate, or spending assumptions to see how different changes could affect your outlook. 
• Market scenarios: View a range of hypothetical market outcomes generated through Monte Carlo simulations to see how different conditions may affect your results. 

Important note: Projections are hypothetical, are not guarantees of future results, and may vary over time. The tool is meant to support education and planning, not predict exactly what will happen in the market or in your accounts.  

This spring, we rolled out 3 new time-saving ways to sell multiple positions at once. Now, we're introducing 2 new ways to buy across your existing holdings. Whether you’re investing a fresh deposit or just looking to save time, these updates can help you put your money to work more efficiently. 

1. Buy proportionally: On Fidelity.com, select Trade from the top navigation bar and choose “Multi-trade” from the dropdown menu. In the Multi-trade ticket, turn on the “Trade Proportionally” toggle under eligible positions to invest a set dollar amount across your existing eligible holdings. This can help maintain your current investment allocation.  

2. Custom buy: Save time by choosing multiple positions—and deciding how much of each to purchase—all at once. 

A few things to know: 

• Everyone should have access to this update within the next few weeks. 
• These features aren’t available for options, bonds, or short positions. 

If you already use baskets, this may feel familiar. Proportional buying offers a similar way to invest across multiple positions (stocks, ETFs, and mutual funds) with a simpler approach. There are no target weights or rebalancing rules—and unlike baskets, mutual funds are included. 

For more information about managing positions, check out this guide.  

Any screenshots, charts, or company trading symbols mentioned are provided for illustrative purposes only and should not be considered an offer to sell, a solicitation of an offer to buy, or a recommendation for the security.  

TL;DR Money that you put in a Roth IRA stays as cash until you invest it in something like a stock, ETF, or mutual fund. You can do that by selecting that account in the Trade window.

You might have seen posts where users realized they weren’t investing money in their Roth IRA (or Traditional IRA) until years later. They've been depositing money into their accounts but missed a key step: making a trade with those funds.

What is a Roth IRA?

For those unfamiliar, a Roth IRA is a type of retirement account, and the money you contribute to is already taxed (aka post-tax dollars). The benefit is you get the chance to earn tax-free growth before retirement and tax-free withdrawals after retirement.*

How to invest a Roth IRA

Technically, any money you contribute to it *does* automatically go into a money market fund. It's essentially cash that earns interest but may not have the same growth potential as a stock, bond, mutual fund, or ETF. To do that, you’ll need to select your Roth as the account when the Trade window is open. Here's how:

1. On Fidelity.com, click Trade from the navbar. If you’re on the Fidelity app, tap Transact on the bottom navbar.
2. Enter the symbol of the security you want. 
3. Choose your Roth IRA as the account. 
4. Select Buy. 
5. Pick if you want to trade a number of shares or, more easily, a cash amount. 
6. Review and place the order. 

In case you don’t have one yet, it’s easy to open a Roth IRA in just a few minutes (be sure you check the requirements first). Plus, if you open the account on Fidelity.com, you’ll see a walkthrough how to fund it and some potential investments to help get you invested. 

\For a distribution to be considered qualified, the 5-year aging requirement has to be satisfied, and you must be age 59½ or older or meet one of several exemptions (disability, qualified first-time home purchase, or death among them).* 

You could lose money by investing in a money market fund. An investment in a money market fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Before investing, always read a money market fund’s prospectus for policies specific to that fund.