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Most commonly asked

What is Fidelity SpireSM?
Fidelity SpireSM 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 right for you, so you can make the most of your money for each time horizon. While you contribute money toward 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?
The Fidelity SpireSM app is free to use, same as the Fidelity Mobile® app. Accounts made available to you via the app can have fees and costs, depending on the accounts you decide to open.


Who can use the app?
The Fidelity SpireSM app is available to United States residents who are at least 18 years old.


Can I access all the features without an account?
If you have a Fidelity account, you can log in to use the full suite of features. You can track progress on your goals, add and delete goals when your situation changes, see your Fidelity accounts, transfer money, link external accounts, and use the decision tool.


If you don't have a Fidelity account, you can still use the app to set up your goals, demo the decision tool, add and delete goals, get content in our education hub, and use the Virtual Assistant.


If you decide to open an account, the details you saved will get carried over so you can start tracking progress on your goals right away.


How do I link an account to my goal?

You can link an existing or new Fidelity account to your goal right within the Fidelity SpireSM app. We can help you identify accounts that may align to your goal's timeline since different timelines should consider a different money approach. If you open a new account, 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!


How can I open an account in the app?
There are 2 types of accounts you can currently open directly within the Fidelity SpireSM 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, you can select "Other account options" on the "Link a Fidelity account" screen. In the future, you'll be able to open more types of accounts in the app experience.


Do you have any offers available?
Fidelity SpireSM rewards you for signing up and referring friends. It's a small way to thank you for getting started on your goal and bringing more users to our app!


How does your offers program work?
After downloading the Fidelity SpireSM app, there are a couple steps you need to take in order to get your $5 cash signup bonus: Download and sign into the app, set up a goal, and link it to your existing or new Fidelity® Cash Management Account. Once you've qualified for a $5 signup bonus, you become eligible to refer friends to get 5 additional $5 referral bonuses. No purchase or investment is required to receive the signup or referral bonus.


Is there a limit to how many bonuses I can get?
There is a limit of one $5 signup bonus per individual and a limit of five $5 referral bonuses, for a total of $30 you can earn.


Are there eligibility requirements for the signup bonus?
You must link your new or existing Fidelity® Cash Management Account to your goal between July 15, 2020 and August 31, 2020 to qualify for a $5 signup bonus. No purchase or investment is required to receive the signup or referral bonus.

How do I refer a friend?
Once you're eligible to refer friends, we'll assign you a unique referral link. We created an easy way for you to retrieve and text your referral link to friends who have not yet downloaded the app.


1) Log in to the Fidelity SpireSM app
2) Go to the "More" section and select "Offers"
3) Select the "Invite friends" button
4) Select the "Messages" app to text friends your unique referral link


Once your friend uses the link you sent to download the app, and then registers or logs into the app, you'll see your $5 bonus in your Fidelity® Cash Management Account in 2–3 business days. No purchase or investment is required to receive the signup or referral bonus.


Who can I refer to earn bonuses?
You can refer Fidelity SpireSM to as many friends as you'd like, but in order to get your $5 referral bonus, your friend must not yet have the app downloaded. You'll only get $5 for the first 5 referrals, so think through which friends would genuinely be interested in the app and most likely to help you earn your potential bonuses.


Is there a limit to the number of people I can refer?
There's a limit of 5 referral bonuses for which you can earn $5 each, between July 15, 2020 and September 7, 2020, for a total of $25 in referral bonuses.


What counts as a successful referral?
In order for your referrals to count, your friends must:


1) Use the link you sent to download the app
2) Register or log into the app


Referral bonuses are typically processed in 2–3 business days. These bonuses will be added automatically to the Fidelity® Cash Management Account you choose.


How will I get my bonus?
Only Fidelity® Cash Management Accounts (FCMA) are eligible accounts for the signup and referral offers. The bonus will be paid directly to the eligible account. If you have multiple FCMAs, you will be asked to select the account you would like your bonus deposited into.


When can I expect to see the bonus in my account?
You'll see your bonus in the Fidelity® Cash Management Account you choose in 2–3 business days. If you don't see your money in your account in 2–3 business days, please let us know in the "Send us feedback" survey in the "More" tab.


How will I know if my friend has used my referral link?
We'll notify you via message in the Fidelity SpireSM app when your friend downloads the app using your referral link. The message will prompt you to select the eligible account you wish to receive your referral bonus in. You'll see your bonus in the account you choose in 2–3 business days.


What do my friends need to do with my referral link?
Once you text your unique referral link to your friends, they simply need to click it to download the Fidelity SpireSM app.


Can my friend use my link after already downloading the Fidelity SpireSM app?
Since the referral offer is meant for first-time downloaders, a friend who downloads the Fidelity SpireSM app without using your unique referral link can't apply the offer retroactively. If they forget or didn't know, they won't be able to help you earn your bonus.

Most commonly asked

How is Fidelity SpireSM different than the original Fidelity Mobile® app?
Fidelity offers multiple mobile apps. The Fidelity SpireSM 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 SpireSM 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 SpireSM app.


How does Fidelity SpireSM compare to competitors?
Fidelity SpireSM is a goal-based financial app focused on educating people while they save and invest toward 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 help you plan for saving and investing your money.


Can I trade in the Fidelity SpireSM app?
Trading is not currently available within Fidelity SpireSM but will be later. Go to Fidelity.com or use our original Fidelity app if you need to make a trade.


Can I connect my non-Fidelity accounts?
You can view your non-Fidelity accounts in the Fidelity SpireSM app and keep track of your finances all in one place.


From the app, go to the "Accounts" navigation section and select "Non-Fidelity accounts." Then select "Link non-Fidelity accounts" to add details from your other financial institutions through Full View® which is powered by eMoney Advisor, LLC. Once connected, you'll be able to track your non-Fidelity balances in the "Non-Fidelity accounts" view. 


In the future, you'll be able to link external accounts to your goals and use them to track your progress.


What is Full View®?
Full View can help you manage your personal finances by bringing your online financial accounts (including investment, bank, credit card, loan, mortgage, and insurance accounts) onto a single, fully customizable view. It's powered by eMoney Advisor, LLC, a Fidelity Investments company, which stores a variety of website addresses and unique login credentials, enabling you to access information for all of your enrolled accounts. 


With Full View, you can see your financial picture in one place. Full View is compatible with several of Fidelity's portfolio guidance tools, enabling you to import your Fidelity and non-Fidelity account information to easily review your financial picture.

How does Full View® work?
Choose institutions where you hold an online account and enter your login credentials for those sites. There is no limit to the number of accounts you can add. Each day Full View®, powered by eMoney Advisor, LLC, scans the sites you've entered and brings the updated information into a single location. 


Full View helps you better manage your finances by allowing you to view balances, transactions, and account information for all of your enrolled accounts using reporting tools, charts, and tables.


What information can I access?
Full View® currently offers access to thousands of websites, and the list is growing every day. At this time Full View only supports information that is accessible via an online account or website. 


In addition, if you own an account that is not accessible online, you may add it as a manual account on Full View to keep track of all your accounts on one page. Note that you'll need to update any manual accounts yourself.


Can I pay my bills through Full View®?
No, you cannot pay your bills, move money, or perform any other transactions through Full View®. Full View is a view-only service that lets you to track your spending all in one place. If you're interested in a bill payment solution, then consider Fidelity BillPay®.


Is there a charge for Full View®?
No, there is no fee or charge for using Full View®.


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 800-343-3548.


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 SpireSM app or online.


To close all other account types, please contact us at 800-343-3548.

Most commonly asked

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 3 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 are 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.


I'm ready to invest, so what can I do next?
Fidelity can help! Fidelity offers tax-advantaged retirement accounts and taxable brokerage accounts, as well as a variety of investment options including index mutual funds. If you want to explore Fidelity accounts to help you reach your goals, or trade and invest on your own, you can select, "Other account options" on the "Link a Fidelity account" screen. In the future, you'll be able to open more types of accounts in the app experience.

Interested in having your money professionally managed by us? Check out What is Fidelity Go®?

Most commonly asked

What is the decision tool?
The decision tool is an interactive tool that helps you see the tradeoff of money you put toward one goal over the other, and how it can impact your goal timeline or interest paid for debt goals. You can compare 2 goals at a time, using any combination of the short-term, long-term, and debt goals you prioritized.


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.

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 2 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 the interest paid for debt goals.

Most commonly asked

What is Fidelity Go®?
Fidelity Go is a type of managed account. When you enroll in Fidelity Go, you turn the day-to-day investment decisions for your money over to a team of experienced professionals, who provide this service for a fee. Based on information you provide, these professionals invest your money to help you meet your investment goals.


Is Fidelity Go® right for me?

It could be. Start by asking yourself these questions:


• Do you want a team of professionals to choose your investments for you and make changes to your account as needed, based on market conditions?
• Do you want your money invested in a portfolio of low-cost investments?
• Are you willing to pay a fee for someone to make investment decisions on your behalf?
• Are you comfortable taking care of your account online, including providing information about yourself, opening your account, and tracking your investments?


How much does Fidelity Go® cost?
Fidelity Go® offers tiered pricing based on your account balance. You'll pay no advisory fee for a balance under $10,000, $3 per month for a balance of $10,000–$49,999, or 0.35% per year for a balance of $50,000 and above. There are no trading fees, transaction fees, or rebalancing fees.


What is the Fidelity Go® advisory fee based on?
Fidelity Go®'s advisory fee is based on your account balance


How does Fidelity Go® work?
You start by providing a few things about yourself: the year you were born, your household income, the reason you're investing, the amount you hope to invest, when you'll need the money you're investing, and your risk tolerance for your account. Once you do that, you'll receive a suggested investment strategy. From there, you can explore other investment strategies, accept the suggestion, and provide additional information about yourself and your situation. After that, you open your account right from the Fidelity SpireSM app. Once your account is open, you can add money to it.


Who manages the investments in my Fidelity Go® account?
The day‐to‐day investment and trading decisions in your Fidelity Go account will be handled by Strategic Advisers LLC, a registered investment adviser and a Fidelity Investments company.

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


If you're already in the Fidelity SpireSM app, you can either go into your goal detail view and select the "Add money to your goal" button, or choose an account from the Accounts list, and select the "Transfer money" button. Select the "Link a bank account" button to set up a funding account. Specify which accounts you are moving money to and from, the amount, and select "Preview transfer" and "Submit." You can also go to Fidelity.com to transfer cash or securities from a Fidelity or non-Fidelity account, and use the "Add money" button on your Fidelity Go dashboard, then choose how you'd like to fund your account. The Fidelity Go dashboard will provide you with information about depositing a check into your account.


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


What are Fidelity Flex® Funds?
Fidelity Flex® Funds are a line-up of Fidelity mutual funds that have zero expense ratios. Flex Funds are currently available only to certain fee-based accounts offered by Fidelity, like Fidelity Go®. Unlike many other mutual funds, the Flex Funds do not charge management fees or, with limited exceptions, fund expenses. Instead, a portion of the advisory fee you pay is allocated to access the Flex Funds in which a Fidelity Go® account will be invested.


Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to individual retail investors who purchase their shares through a Fidelity brokerage account.

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, no minimum balance, reimbursed ATM fees, free checkwriting 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.


How much does the Fidelity® Cash Management Account cost?
The Fidelity® Cash Management Account has zero account fees, no minimum balance, reimbursed ATM fees, and free checkwriting 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 SpireSM app. You can use an outside bank or another Fidelity account to fund your FCMA. 


If you're already in the Fidelity SpireSM app, you can either go into your goal detail view and select the "Add money to your goal" button, or choose an account from the Accounts list, and select the "Transfer money" button. Select "Link a bank account" button to set up a funding account. Specify which accounts you are moving money to and from, the amount, and select "Preview transfer" and "Submit."


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.