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Most commonly asked

What is Fidelity Spire℠?
Fidelity Spire℠ is a goal-based financial app focused on helping you save, plan, and invest for your short-term and long-term goals. You can track progress on your goals by linking a Fidelity account that's aligned to your goal's timeline, so you can make the most of your money for each time horizon. While you contribute money towards your goals, you can get content from our education hub to get smarter. Find simplified financial education that covers different stages of each goal and use our tools and resources to better assess where you stand.


How much does it cost to use Fidelity Spire℠?
The Fidelity Spire℠ app itself is free to use, same as the Fidelity Mobile® App. Other fees will depend on what type of account you use to invest toward your goals.


Who can use Fidelity Spire℠?
Currently, only existing customers with a Fidelity or NetBenefits account can use the Fidelity Spire℠ app. We'll be launching to anyone and everyone in the coming months. In the meantime, you can get notified for future access by entering your information by filling out this form.

Why can I only pick one short-term and long-term goal?
For now, you can only track progress towards one short-term and one long-term goal because we're a new app. We're currently working to build out the ability to add more than one short and long-term goal.


How do I link an account?
You can link an existing or new Fidelity account to your goal right within the Fidelity Spire℠ app. We can help you find an account that's aligned to your goal's timeline since different timelines require a different money approach. If you open a new one, at the end of the account opening process, you can select which goal to assign it to. Currently, we only support the ability to link an existing or new Fidelity account. Soon you'll be able to link non-Fidelity accounts too. We're hard at work!


What type of accounts can I open within the app?
There are two types of accounts you can open directly within the Fidelity Spire℠ app: Fidelity® Cash Management Account and Fidelity Go® account. If you want to explore other Fidelity accounts to help you reach your goals, or trade and invest on your own, learn more at Fidelity.com

Most commonly asked

How is Fidelity Spire℠ different than the original Fidelity mobile app?
Fidelity offers multiple mobile apps. The Fidelity Spire℠ app is focused on helping you get organized in your personal finances to help reach your short-term and long-term goals.


To learn more, visit Fidelity Mobile® Apps 


How is Fidelity Spire℠ similar to the original Fidelity mobile app?
Like the original Fidelity app, you'll be able to see all your existing Fidelity accounts, transfer money, and get education within the Fidelity Spire℠ app.


How does Fidelity Spire℠ compare to competitors?
Fidelity Spire℠ is a goal-based financial app focused on educating people while they save and invest towards their goals. While other financial services companies offer their own niche to the investing app space (focused on automatic investing, robo-advisor platforms, or a free trading platform)—we make it easy to set something up to save and invest money.


Can I trade in the Fidelity Spire℠ app?
Trading is not currently available within Fidelity Spire℠ but will be later. Go to Fidelity.com or use our original Fidelity app if you need to make a trade. Accounts eligible for trading include Brokerage, traditional IRA, Roth IRA and Fidelity® Cash Management Account.

How can I contact you?
If you have a question that isn't answered here, or would like to speak with a rep, you can call 800-FIDELITY.


How can I open an account in the Fidelity Spire℠ app?
You can currently open certain accounts within the Fidelity Spire℠ app—a Fidelity® Cash Management or Fidelity Go® account. After you set up your goals by entering the details, you'll see a page titled "Link a Fidelity account." Select the "Is CMA right for me?" or "Is FGO right for me?" button to find details about the account. Select "Open account" and you will be asked to fill in some personal details to complete the account opening process. You'll see a confirmation page once you've successfully opened your new account!


If you want to explore other Fidelity accounts to help you reach your goals, or trade and invest on your own, learn more at more at Fidelity.com


How can I close my account?
While we'd hate to see you go, we understand that things happen.


To close your Fidelity® Cash Management Account, you can withdraw all the money from your account by moving it to another account, within the Fidelity Spire app or online.


To close all other account types, please contact us at 800-343-3548. There's no cancellation fee to close your Fidelity Go® account, however, you will be charged a prorated portion of the 0.35% fee for the time your account was managed by our investing pros, based on your account balance during that period.

Most commonly asked

What is Fidelity Go®?
Fidelity Go® is an easy, affordable way to enjoy the benefits of money management. It's available for both retirement brokerage IRAs and nonretirement brokerage accounts.


What is a robo advisor?
Typically, a robo advisor obtains certain information about you through a digital questionnaire. It relies on algorithms to develop and suggest an investment strategy for helping you manage your money, using the information you've provided about yourself and your financial situation. Remember, not all robo-advisor services are alike. Be sure to understand what type of professional money management services may be right for you.


How much does a Fidelity Go® (FGO) account cost?
Fidelity Go® charges an annual advisory fee of 0.35% of your account's value.


How does Fidelity Go® work?
When you enroll in Fidelity Go®, we'll create a new account number for each new Fidelity Go® account. This means, rather than convert an existing account, you will have a new account with a new account number. In a few easy steps, you can open your account right from the app and then fund it by transferring cash, eligible securities, or making a deposit.


Should I invest when I have debt?
While it's important to invest in your future, it may also make sense to pay off your debt, particularly high-interest debt from credit cards or private student loans. Before investing consider your debt balances.


How should I prioritize investing with my other financial goals?
An investment account can be a good way to pursue long-term goals, but consider these three things as you decide if an investment account is right for you and the amount you invest: building an emergency fund, maximizing your workplace retirement plan, and paying off debt.

  • Emergency fund: It's a good idea to set aside an emergency fund, money to cover those unexpected but inevitable "Oh no" moments. Most financial professionals recommend saving enough to cover 3-6 months of expenses that're absolutely essential like rent, bills, debt payments. In general, people put this in short-term investments, as opposed to an investment account.
  • Retirement: If you have a workplace savings plan through your job, you may want to consider maximizing your employer match before opening an investment account.
  • Paying off debt: While it's important to invest in your future, it may also make sense to pay off your debt, particularly high-interest debt from credit cards or private student loans. Before investing consider your debt balances.

How do I decide my risk tolerance?
Your risk tolerance is the degree of uncertainty you're willing to take when you invest. It's best determined by considering several factors: how much time you have to reach a goal, your experience investing, how much your goal amount is, your other financial resources, and how much risk you can stomach, including risk of loss.


Who manages the investments in my Fidelity Go® account?
Your Fidelity Go® account will be managed by Strategic Advisers LLC. Your investments will be a combination of Fidelity Flex® mutual funds that are made up of domestic stocks, foreign stocks, bonds or short-term investments.


How do I add money to my investment account?
You can add money to a Fidelity Go® account through the Fidelity Spire℠ app. You can fund it using an outside bank or another Fidelity account.


Go into your long-term goal detail view or select Fidelity Go under the Accounts section, and select the "Add money to your goal" button. Select "Add bank" button to set up a funding account. Specify which accounts you are moving money to and from, the amount, and select "Make transfer."


How do I take money out of my Fidelity Go® account?
You can use the transfer functionality you used to fund your account, as long as the withdrawal doesn't leave your balance below the investment minimum of $10.


What is Fidelity Go® invested in?
Your Fidelity Go® account will primarily be invested in a combination of Fidelity Flex® mutual funds. These funds generally hold domestic stocks, foreign stocks, bonds or short-term investments. The funds your account invests in may change over time, depending on the investment strategy you select.

Most commonly asked

What is a Fidelity® Cash Management Account (FCMA)?
The Fidelity® Cash Management Account (FCMA) is a brokerage account that's an alternative to a bank account. It gives you the flexibility to access your cash whenever you need it while still allowing you to put your money to work.


What features does the Fidelity® Cash Management Account have?
Fidelity® Cash Management Account (FCMA) features include zero account fees, zero minimums, zero ATM fees, free check writing and deposits, and a debit card to access your money at any time when you need it. Plus, get up to $1.25 million in FDIC insurance, which is 5X more than a typical bank offers.


How is interest on my cash balance calculated?
Interest rates for cash vary by position and account type. If the cash balance in your core position is held in an FDIC-Insured Deposit Sweep or a money market mutual fund, select your account type to get the interest rate.

How much does the Fidelity® Cash Management Account cost?
The Fidelity® Cash Management Account has zero account fees, zero minimums, zero ATM fees, and free check writing and deposits.


How do I add money to a Fidelity® Cash Management Account
You can add money to a Fidelity® Cash Management Account (FCMA) through the Fidelity Spire app. You can use an outside bank or another Fidelity account to fund your FCMA.


If you're already in the Fidelity Spire app, you can go into your short-term goal detail view or select Cash Management Account under the Accounts section. Select "Add bank" button to set up a funding account. Specify which accounts you are moving money to and from, the amount, and select "Make transfer."


How do I take money out of a Fidelity® Cash Management Account?
You can withdraw money from your Fidelity® Cash Management Account through your debit card to access your money at any time when you need it. You can also use ApplePay, check, ATM withdrawals and automatic withdrawals.

Most commonly asked

What is the decision tool?
The decision tool is an interactive tool that helps you to see the tradeoff of money you put towards one goal over the other, and how it can impact your goal timeline or interest paid for debt goals. You can compare two goals at a time, using any combination of the short-term, long-term and debt goals you prioritized.


How do I use the decision tool?
Once you're in the decision tool, you'll see all the goals you prioritized during the initial app setup. Select two goals to compare and enter any spare cash if you have any (think money left after debts and bills are paid). Select the "See impact" button and you'll see the breakdown of your monthly commitment to both goals. As you slide the dial to adjust the amount you put towards one goal versus the other, you can see how tilting your contributions more heavily towards one goal can impact your timeline, and interest paid for debt goals.

How can I access the decision tool?
You can access the decision tool from the Fidelity Spire℠ app's Learn section or the carousel card on the Track section.