When will I receive my statement?
eDelivery customers can expect to see their statement posted to Fidelity.com usually by the second business day after the end of the month.
Statements sent to customers via U.S. Mail are mailed by the fifth business day of the month and are typically received by the 10th of the month, depending on holidays and which day of the week the prior month ends on.
Do I receive a statement every month?
All customers with a non-zero balance will receive statements monthly or quarterly. You will receive a statement for every month in which you have activity, but at the least, quarterly. Activity includes purchases and sales of securities, deposits, withdrawals, transfers of assets, and dividend reinvestments. Customers with a zero balance will receive statements in the month the balance decreases to zero, but will not receive subsequent statements until there is a balance in the account.
Customers with a household statement will receive a monthly statement if there is activity in any of the householded accounts.
What are the different ways I can view account documents online?
You can view monthly and quarterly account statements, year-end investment reports, interested party statements, trade confirmations, tax forms, and account records as PDFs, for better print quality.
- To view a monthly or quarterly account statement, year-end investment report, interested party statement, trade confirmation, tax form, or account record, select the document title.
- To view a tax form in the comma-separated values (CSV) format, select the CSV link next to the document you want to view. Note: If the size of the CSV file exceeds 64,000 rows, you will need to use a 2010 version (or later) of Microsoft Excel to open it.
Monthly and quarterly account statements, and prospectuses/reports are also available to view as web pages by selecting Web.
Are statements based on trade date or settlement date?
Statements are based on settlement date. This means that the Holdings section may reflect holdings that have been sold from the account and will not reflect holdings that have been purchased for the account because the trades have not yet settled. In addition, the cash side of these pending trades will not be reflected in the cash balance until settlement occurs. Note that statements include a section for Trades Pending Settlement. Fidelity.com balances are based on trade date; this can lead to differences between balance information obtained via Fidelity.com and your account statement.
How many years of statements, trade confirmations, tax forms, prospectuses, financial reports, and other documents are available online?
- You can access 10 years of account statements and year-end investment reports online.
- You can access 10 years of interested party statements online.
- You can access 10 years of trade confirmations online.
- You can access most tax forms online for 7 years.
- The current reports for your mutual funds are online.
- Quarterly performance reports are available online for qualified customers.
- New account profiles and revised account profiles will be available online for a period of 12 months.
What different kinds of account statements does Fidelity provide?
Statements on single accounts show:
- Account details, including an account summary, income summary, contributions and distributions, realized gain and loss from sales, holdings, and transaction details for the time period covered by the report
- Links to Fidelity's portfolio analysis and portfolio review tools
- Fidelity contact information
Consolidated statements include a summary section, which treats the accounts included in the report as a portfolio. The summary section displays information on changes in portfolio value, value by account, income summary, and commission level.
In a consolidated statement, the account details section is broken out by account. In some cases, the volume of information about the included accounts can become quite large. To avoid long loading times, the consolidated statement may link to separate pages for each included account's details.
What is a household statement?
A household statement consolidates your various Fidelity accounts into a single statement.
What types of accounts are included in my household statement?
Your statement may include information regarding the following accounts:
- General Investment (Brokerage, Cash Management, Portfolio Advisory Services)
- Personal Retirement (IRAs, Roth IRAs, Keogh, etc.)
- Education 529
- Custodial (UTMA, UGMA)
- Health Savings Accounts
- Fidelity Funds
Your statement may also reference other accounts held at Fidelity (e.g., annuities, stock plans) and assets held at other financial institutions, but such information is provided for informational purposes only and may not reflect accurate values.
How do I consolidate my statements so I only receive one statement per month or quarter?
If you have multiple accounts and receive multiple statements, individual statements appear separately online. In some cases, Fidelity may automatically consolidate some of your eligible statements. You can also consolidate your eligible statements onlineLog In Required.
Note: Annuity accounts are not available for consolidation with your other personal investing accounts.
What are interested party statements?
Interested party statements are copies of another individual's account statements that the account owner has authorized you to receive.
What are account records?
Account records are confirmations of recent activity or changes in your account. These include new account profiles, which summarize information about a new account, and revised account profiles, which show changes to your account, such as a new mailing address, or a new account feature, like checkwriting or options trading.
Can I add or remove accounts from the report I'm viewing?
You can customize the statement you're currently viewing to include other accounts by selecting the Add or Remove Accounts link near the top of the statement. The accounts must share the same statement start and end date. You must select at least one eligible account to view a statement.
Adding or removing accounts in this way changes the set of accounts that appears on your statement for the current viewing only. You can also permanently group the accounts that appear on your statements.
Note: This option is not currently available for annuity accounts.
Why don't I see my account documents online?
If you do not see account documents under your Social Security Number (SSN), Tax Identification Number (TIN), or Username, it may be that:
- Your SSN is not listed as an owner on the account. Only owners of an account, and persons given authority to view the account by the owner, can view statements, confirmations, and tax documents online.
- You had no reportable information on your account(s).
- Your document is not yet available online or the document may no longer be available online.
- You chose to view Prospectuses/Reports by a specific account, and you do not own the mutual fund you're looking for in that account. Try selecting another account, or view all accounts.
- You are trying to view Prospectuses/Reports for mutual funds you do not own. Most prospectuses and financial reports are available online.
- You are trying to view interested party statements and your SSN is not listed on your interested party profile.
- You may have an account which is not eligible for online documents.
For account documents not available online, contact a Fidelity representative at 800-544-6666. For annuity accounts, call 800-634-9361.
Who can I call if I'm having trouble accessing my documents?
If you have technical questions about viewing, saving, or printing your documents, please call a Fidelity representative at 800-544-6666.
- Where can I see this year's tax information online?
How do I obtain more information about my tax forms?
For information about current year tax forms, select the Info link associated with the tax form to view the tax reporting statement for the relevant tax year. This information includes IRS instructions and a guide to understanding your statement, with FAQs.
How do I print an account document?
For better quality, we recommend you print account documents in PDF format.
To view and print the PDF version of a statement, tax form, trade confirmation, or account record, select the document title, then select the Print icon in the browser window's PDF toolbar or from the browser's File menu.
How do I save an account document to my computer?
To save the PDF version of a statement, tax form, trade confirmation, or account record, select the document title and, then select the Save icon in the browser window's PDF toolbar or from the browser's File menu. Choose a location and provide a name for the file with a .PDF extension (for example, document-name.PDF).
I receive too much paper. How do I stop paper delivery and access my statements, trade confirmations, prospectuses, financial reports, and other documents online?
To stop receiving most statements and other documents in the mail, sign up for Fidelity's eDelivery programLog In Required. You'll receive email notification when the latest versions of your documents are available online.
I'm enrolled in the Fidelity electronic delivery program. Why do I still receive statements in the mail?
If you've signed up for the electronic delivery program for statements, trade confirmations, prospectuses, financial reports, or other documents, and you are still receiving documentation in the mail, it may be because:
- The email address Fidelity has on file may be incorrect. If this is the case, update your email addressLog In Required.
- Your statement is consolidated with a statement which cannot be delivered via the electronic delivery program.
- Your account is not eligible for the program. Ineligible accounts include business accounts; retirement plans for which Fidelity is not the trustee, sponsor, or recordkeeper; Fidelity 401(k), 403(b), and 457 accounts; and workplace savings plans that provide a corresponding self-directed brokerage (SDB) account.
- Your permanent address is a foreign address. Due to regulations governing electronic delivery of documents, customers who have a foreign permanent address cannot participate in the program.
- When purchasing certain new securities like municipal securities (munis), government sponsored entities (GSEs), initial public offerings (IPOs), and non-Fidelity funds, we are currently required to mail the prospectus, reports, and any trade confirmations to your address of record.
Note that Fidelity Life Insurance customers will continue receiving a separate statement reporting on their life insurance policy or annuity contract.
Can I get check images returned with my statement?
Yes, please call a Fidelity representative at 800-343-3548 to request check images with your statement.
I receive my check copies with my statement. How will I receive these if I enroll in the Fidelity electronic delivery program?
If you've signed up for Fidelity's electronic delivery program for your statements, imaged copies of your checks will be mailed to you under separate cover.
Can I search for the trade confirmation of a particular security?
You can search for a trade confirmation by using Symbol Look Up and entering a symbol, CUSIP, SEDOL, or ISIN. Currency exchanges are currently not searchable by symbol.
Note: This option is not currently available for annuity accounts. You can view your annuity transaction confirmations by selecting Account Records in the dropdown menu.
Which sections appear on my statement?
Your statement may include the following sections:
- (For Multiple Account Statements) Portfolio Summary, including:
- Portfolio Value
- Accounts Included in This Report (table of contents)
- Income Summary, Asset Allocation, Top Holdings
- (For all Statements) Account Value, including:
- Account Snapshot
- Income Summary
- Account Holdings Pie Chart
- Top Holdings
- Core Account
- Cash Flow
- Realized Gains and Losses from Sales
- Minimum Required Distribution (MRD) Estimate
- Other Holdings, including:
- Stock Plans
- Assets Held Away
- Estimated Cash Flow
- Global Holdings & Activity
- (For Multiple Account Statements) Portfolio Summary, including:
Why are dividends paid from a non-Fidelity fund on the last business day of the month not reflected in the Activity section of the statement until the following month?
For non-Fidelity funds that pay dividends on the last business day of the month, Fidelity does not receive the dividend information from the other company until after the statement process has started. The dividends will be reported on your subsequent month's statement with a transaction date of the last business day of the prior month.
Do statements differentiate between qualified and nonqualified dividends?
No, the statement differentiates between taxable and tax-exempt dividends, but within taxable dividends, there is no differentiation between qualified and nonqualified dividends.
I rolled over my mutual fund shares from a Fidelity 401(k) account to an IRA. Why does my statement show that I rolled over double the amount in Additions and the correct amount under Subtractions?
Fidelity 401(k) accounts invest in class K shares of Fidelity mutual funds, which are used by institutional investors. When you roll over those shares to an IRA, they are converted to a retail share class. During this conversion process, your K shares are replaced by the new retail shares. This happens by adding the retail shares to your account, along with your original K shares, and then subtracting the K shares. On your statement, this makes it appear that double the shares were added. In subtracting the K shares to complete the conversion, no funds are actually withdrawn from your account, and no tax-reportable event occurs.
I don't see the asset allocation pie chart on my statement. Why is it missing?
The asset allocation pie chart will not be shown on your statement in these situations:
- Your statement includes only one account
- Your statement includes stock plans*
*We plan to provide asset allocation for statements with stock plans in the near future.
What is Estimated Annual Income (EAI) and how is it calculated?
Estimated Annual Income (EAI) is an estimate of annual income from a specific security position over the next rolling 12 months. EAI for government, corporate, and municipal bonds, and certificates of deposit (CDs) is calculated by multiplying the coupon rate by the face value of the security. EAI for common stocks (including American depository receipts [ADRs] and real estate investment trusts [REITs]) and mutual funds is calculated using an Indicated Annual Dividend (IAD). See calculation examples below:
For Fixed-Rate Bonds and CDs: EAI = Face Value x Coupon Rate Example: You own a bond with $1,000 Face Value and a 5% Coupon: EAI = $1,000 x 0.05 = $50
For Common Stocks, ADRs, REITs, and Mutual Funds: EAI = # of Shares x IAD
Example: You own 100 shares of ABC Stock: ABC Stock IAD is 0.80 EAI = 100 x 0.80 = $80.00
Why isn't Est. Annual Income (EAI) displayed for all my securities?
EAI is calculated for the following securities when available: fixed-rate bonds (including Treasury, agency, GSE, corporate, and municipal bonds), CDs, common stocks, ADRs, REITs, and mutual funds. EAI is not displayed for amounts less than $10.
EAI is not calculated for preferred stocks, exchange-traded products (ETFs and ETNs), UITs, international stocks, closed-end funds, limited partnerships, and the following types of bonds: step-up, floating rate, variable rate, discount, zero coupon, factored, mortgage-backed, bonds with an inflation factor, and certain international bonds (including those with the "foreign" indicator on the Bond Details page).
Why isn't Est. Yield (EY) displayed for all my securities?
EY is provided only for common stocks, ADRs, REITs, and mutual funds that have Est. Annual Income (EAI).
Some values are shown as "not applicable," "unavailable," "unknown," blank, and "--." What do these mean?
- not applicable – The value does not apply. For example, Fidelity doesn't provide Cost Basis for money market mutual funds, so the value will be shown as "not applicable."
- unavailable – The value is not available or cannot be calculated. For example, if a price is not present for a security in your holdings, the Ending Value cannot be calculated and will be shown as "unavailable."
- unknown – The value is not known. For example, Fidelity may not have the Cost Basis for a security you transferred into your account, so the value will be shown as "unknown."
- blank – The value does not apply. For example, Fidelity doesn't sum certain columns like the Quantity, so the value will be shown as blank.
- "---" (dash) – The value is not known. For example, Fidelity may not have obtained a price for a security, so the value will be shown as "---."
Are Transaction Costs, Fees & Charges included in the Subtraction total?
Yes, Transaction Costs, Fees & Charges, and Portfolio Advisory Fees, if applicable, are included in the "Subtraction" subtotal. They are also shown separately to provide transparency into the costs and fees charged to your account.
What are Net Adjustments?
Net Adjustments are additions or subtractions to your account resulting from a monetary adjustment.
How is Change in Investment Value calculated?
Change in Investment Value is the appreciation or depreciation of your holdings due to price changes plus any distribution income earned during the statement period.
What is Accrued Interest?
Accrued Interest includes the accumulated interest on the fixed income securities in your portfolio, as displayed in the Holdings section of each account, from the last coupon date to the statement date that has not been paid by the issuer. Accrued Interest is limited to bonds denominated in USD.
What are Top Holdings?
Top Holdings ranks the top five holdings in your account based on the total value of each holding.
If you have multiple accounts, Top Holdings ranks the top five holdings in your portfolio based on the cumulative total of each holding across all your accounts. For example, if you own Apple Inc. (AAPL) in three accounts in your portfolio, we will sum the value of all three positions and use the total to determine its ranking. Note: The top five holdings may differ in each of your individual accounts; see Account Summary for the top holdings for each account.
Why do my Top Holdings show five or fewer holdings for my account?
Your Top Holdings will show five or fewer when you have five or fewer different holdings in your account.
What are Other Holdings?
Other Holdings, such as annuities, are provided for informational purposes only and are not part of your brokerage account. Fidelity does not verify the accuracy or timeliness of the prices reported. Other Holdings may not be carried by National Financial Services LLC (NFS) or covered by SIPC.
What are Assets Held Away?
Assets Held Away are assets not held in a Fidelity brokerage account custodied by National Financial Services, LLC, a Fidelity Investments company, and may not be covered by SIPC.
Where can I find the details for each of the accounts in my portfolio?
The details for each of your accounts can be found in the body of your statement. For each account included in your statement, there is an Account Summary along with detailed Holdings and Activity. Refer to the page number in the Accounts Included in This Report section, typically found on page 2, to locate information regarding a specific account.
What types of income would be included in Income Summary?
Income Summary includes taxable dividends, tax-deferred dividends, taxable interest, long-term capital gains, short- term capital gains, royalty trust payments, nontaxable dividends, municipal tax-exempt interest, and return of capital.
What is the difference between Tax-exempt, Tax-deferred, and Tax-free in Income Summary?
Tax-exempt refers to investments in municipal or U.S. government obligations that can be free from federal, state, and local taxes, or a combination of the three. Tax-deferred describes an investment for which payment of taxes is postponed with the understanding that taxes will be paid under certain conditions in the future. Tax-free refers to income in Roth IRAs and HSAs.
What is Realized Gains and Losses from Sales?
Realized Gains and Losses from Sales is the monetary value of a gain or loss that results from a trade. The amount of the gain or loss is the excess of proceeds from the sale over the cost basis (or adjusted cost basis).
What does Unrealized Gain/Loss represent?
Unrealized Gain/Loss is the hypothetical value of the gain or loss that would be realized if shares were sold at the indicated price.
What does the term Disallowed mean?
A Disallowed loss is the monetary amount of loss realized from selling shares that cannot be counted as a loss due to the IRS wash sale rule. A wash sale occurs if you sell shares at a loss and buy additional shares (even in another account) of the same or substantially identical security within 30 days before or after the sale.
Do the holdings shown on my statement include trades I made at the end of the month?
The Holdings section of your statement includes only settled transactions. Your statement has a separate section for Trades Pending Settlement.
What does the % of account holdings represent?
The % of account holdings is displayed in the subtotal line for each holding type in your account (i.e., Core Account, Stocks, etc.). It reflects the percentage of your total account value.
Why is cost basis not shown for some holdings?
Cost basis is not available for money market mutual funds (it was presumed to always be $1 when the statements were developed and therefore is not shown). Cost basis is also sometimes not available for securities transferred in without cost basis.
How does Fidelity calculate Estimated Cash Flow?
The estimates for fixed-rate domestic bond and CD income are calculated using the security's coupon rate. The estimates for domestic common stock and mutual fund income are calculated using an indicated annual dividend (IAD). The IAD is an estimate of a security's dividend payments for the next 12 months calculated based on prior and/or declared dividends for that security. IADs are provided to Fidelity by third-party vendors believed to be reliable, but no assurances can be made as to accuracy.
What does Plan Type — Section 423 Qualified mean?
A qualified 423 employee stock purchase plan allows employees under U.S. tax law to purchase stock at a discount from fair market value without any taxes owed on the discount at the time of purchase. In some cases, a holding period will be required for the purchased stock in order to receive favorable long-term capital gains tax treatment on a portion of your gains when the shares are sold.
What do Vested Options and Unvested Options mean?
Typically, Vested Options have become accessible to you to transact upon. Unvested Options have not yet become available to transact upon.
What does Grant Type NSO/ISO mean?
Nonqualified Stock Options (NSOs) are more traditional stock options that do not meet certain IRS requirements that allow you special tax treatment. With NSOs, you will be taxed when you exercise the stock options. The IRS levies ordinary income tax, Social Security tax, and Medicare taxes on the difference between the fair market value when you exercise the stock options and the grant price.
Incentive Stock Options (ISOs) do meet the IRS requirements for special tax treatment. With ISOs, you do not have to pay regular income taxes at the time you exercise, but you must hold your shares at least one year from the date of exercise and two years from the grant date in order to receive special tax treatment.
How does Fidelity determine my Remaining to Contribute amount?
The Remaining to Contribute amount is the amount remaining to contribute per beneficiary to a 529 plan for the current year. This amount is aggregated among accounts in the same state plan for the same beneficiary.
What are Other Holdings and why are they not included in Your Portfolio Value?
Other Holdings, such as annuities, are provided for informational purposes only and are not part of your brokerage account. Fidelity does not verify the accuracy or timeliness of the prices reported, which is the reason they are reported as a separate balance on your statement. Other Holdings may not be carried by Fidelity Brokerage Services LLC or National Financial Services LLC (NFS) or covered by SIPC.
Why aren't all my Fidelity accounts listed in Accounts Included in This Report?
Some accounts are not eligible to be consolidated in a statement household. These include business, sole proprietor, partnership, or other entity accounts (except trusts), 401(k), 403(b), 457, or other workplace retirement plans, and non-prototype retirement plans. Also, if an account included in your statement household has a zero balance, that account may not show up on your statement.
Some eligible accounts may not have been consolidated by our automatic household process. In this case, you can complete our Combined Statements Household form to have your accounts added to your statement household. Please refer to the form for certain rules and restrictions.
What is the difference between Taxable and Tax-exempt in Income Summary?
For most securities, dividends, short-term and long-term gains, etc., on investments are reported as Taxable income.
Tax-exempt refers to investments in municipal or U.S. government obligations that can be free from federal, state, and local taxes, or a combination of the three.
What is the difference between a short-term capital gain/loss and a long-term capital gain/loss?
Short-term gain/loss: A gain or loss from a qualifying investment owned for less than 12 months and then sold.
Long-term gain/loss: A gain or loss from a qualifying investment owned for longer than 12 months and then sold.
What is Margin Information?
The Margin Information section shows the following information about your margin account:
- Margin Balance – The current balance in your margin account
- Maximum amount you can borrow – The additional amount you can borrow to buy securities on margin
- Maximum rate that could currently apply – The maximum rate you'd be charged on your margin debit balance
What is the Required Minimum Distribution (RMD) Estimate? How is it calculated?
The Required Minimum Distribution (RMD) Estimate is the minimum amount the government requires each investor to begin withdrawing from his or her retirement accounts each year by the age of 70½.
Each year your annual RMD estimate is calculated on or after January 1 using your prior year-end account balance divided by the applicable life expectancy factor. The life expectancy factor used is based on both your date of birth and the beneficiary information we have on file as of December 31 of the prior year. Please contact Fidelity if there is a change in your beneficiary information as this calculation will not be updated until the calendar year following the year in which you change your beneficiary designation.
Year-to-date distributions include any distributions taken after January 1 of the current year through midnight of the statement end date.
It is your responsibility to satisfy IRS required minimum distribution amounts. If you need specific tax advice, be sure to consult your tax advisor.
Will the year-to-date distribution amount in Contributions and Distributions match the RMD Distributions amount in the Required Minimum Distribution (RMD) section?
No, the amount shown in the distribution column within Contributions and Distributions may vary from the amount shown in the RMD Distributions column within the RMD section. Certain distributions like Roth conversions, transfers, and direct rollovers are not counted toward your RMD and, as a result, will not show up in the RMD section. These types of distributions would show up in the Contributions and Distributions section.
When does the RMD amount begin to appear on the statement?
For Traditional, Rollover, SEP, and SIMPLE IRAs and Keogh plans, Fidelity commences calculating RMDs when the account owner turns age 70½ based on Internal Revenue Service rules. Therefore, it would appear on the statement following the date on which the account owner turns 70½.
Will Fidelity calculate RMD information for inherited/beneficiary IRAs?
No, given the complexity of the calculation and the various distribution options available to beneficiaries, Fidelity does not calculate the RMD for inherited/beneficiary IRAs. However, an investor can establish a systematic withdrawal plan and elect to have Fidelity calculate this distribution plan annually based on Life Expectancy. Please confirm with your tax advisor that the amount being distributed based on this Life Expectancy calculation will meet your annual distribution requirement.
If an account is transferred in during the year (a new account), would Fidelity calculate the RMD?
The RMD amount would not automatically be calculated for an IRA account transferring into Fidelity during the year. If an investor transfers Traditional, Roth, Rollover, SEP, and SIMPLE IRAs during the year, a systematic withdrawal plan may be set up for the RMD. Assuming the investor provides the previous year-end IRA balance, Fidelity could establish the distribution plan and calculate the RMD.
What are College Contribution Elections?
College Contribution Elections show the investment product(s) your 529 plan is invested in.
Why does the Holdings section of my Portfolio Advisory Services (PAS) account differ from my brokerage account?
The Holdings section of your PAS or Fidelity® Personalized Portfolio (FPP) account includes an additional column for Percentage of Holding to help you see the allocation of each fund/security in your account.
Why is the Activity section of my Portfolio Advisory Services (PAS) account different from my brokerage account?
For PAS and Fidelity® Personalized Portfolio (FPP) accounts, your activity is grouped by security to show you all the transactions related to that security.
Why doesn't my mutual fund account show Estimated Annual Income, Estimated Yield, and Estimated Cash Flow like my brokerage account?
Estimated Annual Income, Estimated Yield, and Estimated Cash Flow aren't available for mutual fund accounts.
Why doesn't my mutual fund account show unrealized gain/loss like my brokerage account?
Unrealized Gain/Loss isn't available for mutual fund accounts.