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Why Choose Fidelity FAQs

Accounts and investments

  • Can Fidelity manage my investments for me?

    Yes, professionally managed accounts from Fidelity allow you to put our experienced money managers in charge of your investments. We'll make investing decisions for you based on your goals, time horizon, risk tolerance, and other preferences.

    Learn more about Managed Accounts.

    Fidelity's Portfolio Advisory Services are services of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. These services provide discretionary money management for a fee.

    Brokerage services provided by Fidelity Brokerage Services LLC. Custody and other services provided by National Financial Services LLC. Both are Fidelity Investments companies and members of NYSE and SIPC.

  • What type of account is right for me?

    Finding the best account for you depends largely on your individual investment goals. However, by answering a few quick questions, we can help steer you in the right direction.

    View a complete list of accounts.

    For help choosing an account, please call us at 800-343-3548. You can also get free one-on-one guidance at Investor Centers nationwide.

    Contact us.

  • Does Fidelity offer mobile trading apps?

    Yes, Fidelity Mobile® apps let you access your accounts wherever you are, and our Fidelity.mobi site is accessible from any smartphone. Customers can use these tools to track their portfolios and trade stocks, options, mutual funds, ETFs, international equities, and more.

    If you're not a customer yet, you can still use these apps to access market news and research investments.

  • How do I roll over an old 401(k) into a Fidelity IRA?

    You can do it yourself by opening a Fidelity IRA (if you don't already have one), and then contacting your plan administrator to request a distribution. Or, we can make the rollover process even easier. Simply contact a Fidelity rollover specialist at 800-343-3548. We can help you with everything from speaking with your old employer to choosing investments.

    Rollover Checklist: Three Steps to Roll Over Your 401(k)

Guidance and research

Pricing and fees

  • What does it cost to receive guidance from Fidelity?

    Fidelity's guidance is free whether you get it in person, over the phone, or online.

    Fidelity can also manage your investments for you with a managed account that includes an additional advisory fee.

  • What are the fees associated with Fidelity’s accounts?

    It's free to open accounts at Fidelity and there's no annual account maintenance fee. However, there are other fees, minimum investment requirements, and trading commissions you should be aware of.

    Pricing and Fees

    Fidelity's full commission and fee schedule (PDF)

  • What are Fidelity's commissions on trading?

    Online U.S. equity trades at Fidelity cost just $7.951 per trade, for an unlimited number of trades and shares. That's lower than Schwab, TD Ameritrade, and E*Trade.2

    Compare Online Brokers.

    You can purchase 70 iShares® ETFs,3 11 Fidelity sector ETFs, and 3 Fidelity active fixed income ETFs online, commission-free, and with access to major U.S., international, and fixed income markets.

    We also offer low commissions and fees for bonds, options, and margin.4 Get all the details on commissions and compare us to your broker.

    Commissions and margin rates

    1. $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.

    Free commission offer applies to online purchases of Fidelity ETFs and select iShares ETFs in a Fidelity brokerage account. Fidelity accounts may require minimum balances. The sale of ETFs is subject to an activity assessment fee (of between $0.01 to $0.03 per $1,000 of principal). iShares ETFs and Fidelity ETFs are subject to a short-term trading fee by Fidelity if held less than 30 days. ETFs are subject to management fees and other expenses.

    2. Commission comparison based upon published website commission schedules, as of 2/1/2013, for E*Trade, Schwab, and TD Ameritrade for online U.S. equity trades. For E*Trade: $9.99 per trade for 0-149, $7.99 per trade for 150 to 1,499 and $6.99 per trade for 1,500 or more trades per quarter. For Schwab: $8.95 for up to 999,999 shares per trade, though orders of 10,000 or more shares or greater than $500,000 may be eligible for special pricing. For TD Ameritrade: $9.99 per market or limit order trade for an unlimited amount of shares.

    3. For iShares ETFs, Fidelity receives compensation from the ETF sponsor and/or its affiliates in connection with an exclusive, long-term marketing program that includes promotion of iShares ETFs and inclusion of iShares funds in certain FBS platforms and investment programs. Additional information about the sources, amounts, and terms of compensation is described in the ETF's prospectus and related documents. Fidelity may add or waive commissions on ETFs without prior notice. BlackRock and iShares are registered trademarks of BlackRock, Inc. and its affiliates.

    4. Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Prior to trading options, please read Characteristics and Risks of Standardized Options, and call 800-343-3548 to be approved for options trading.  Supporting documentation for any claims, if applicable, will be furnished upon request.

    Margin trading entails greater risk, including but not limited to risk of loss and incurrence of margin interest debt, and is not suitable for all investors. Please assess your financial circumstances and risk tolerance prior to trading on margin. Margin credit is extended by National Financial Services, Member NYSE, SIPC.

    Investing in bonds involves risk, including interest rate risk, inflation risk, credit and default risk, call risk, and liquidity risk.

  • What are the minimum levels of investment required to open an account with Fidelity?

    Minimum levels of investment required to open an account at Fidelity vary depending on the type of account.

    Pricing and Fees

  • What are Fidelity's mutual fund commissions and fees?

    All Fidelity funds are available without a transaction fee. Our exclusive FundsNetwork® mutual fund brokerage service also gives you access to over 1,400 funds from other companies with no loads or transaction fees.1 Other fees and expenses applicable to continued investment are described in the fund’s current prospectus.

    When you buy or exchange a non-Fidelity fund or a fund from outside the no-transaction-fee FundsNetwork®, a flat fee of $49.95 or $75 applies2 (for online trades only; visit Trading Commissions and Margin Rates for more information).

    Mutual Funds

    Fidelity's full commission and fee schedule (PDF)

    1. Other fees and expenses applicable to continued investment are described in the fund's current prospectus.

    2. Certain funds will have a transaction fee of $75. To identify any applicable transaction fees associated with the purchase of a given fund, please refer to the "Fees and Distributions" tab on the individual fund page on Fidelity.com

  • What are Fidelity's mutual fund expense ratios?

    Fidelity offers a wide range of mutual funds with varying expense ratios. View our Mutual Fund Research to find funds that meet your expense requirements.

    Visit Mutual Fund Fees & Expenses to learn more about the different types of fees and expenses related to mutual fund investing.

  • What are Fidelity’s margin rates?

    Fidelity's margin rates are among the most competitive in the industry and vary depending on your debit balance.

    Margin Trading

  • How are Fidelity’s representatives compensated?

    At Fidelity, our compensation plans are designed to encourage representatives to establish and maintain strong customer relationships and deliver guidance. They are also designed to ensure that our representatives are motivated and compensated appropriately to provide the best possible service and to always do what is right for our customers.

    The plans emphasize and promote the benefits of long-term investing and sticking to a financial plan throughout market cycles. For more information, view Fidelity Representatives' Compensation Disclosure. (PDF)

  • What are Fidelity’s fees for cash management (ATM/debit cards, credit cards, Full View®, Fidelity BillPay®, checkwriting, electronic funds transfer, etc.)?

    Cash Management features at Fidelity are designed to help you get more for your money:

    • There are no annual account fees.
    • ATM fee and surcharge reimbursements are available.
    • Fidelity BillPay® is free.
    • Checkwriting is free.
    • You can earn up to 2% back with a Fidelity Rewards credit card.
  • Can I combine different accounts in my household to qualify for better pricing, minimums, or features?

    Yes, you can consolidate eligible accounts to receive a single statement to help make it easier to keep track of your investments. By consolidating your accounts, you may also qualify for additional benefits. For example, if you have over $250,000 in investable assets, you may qualify for a dedicated financial consultant and support staff.

    Managed Accounts

    Combined statements/mailings and householding

Questions?

Transfer Accounts to Fidelity

We can help you move your accounts to Fidelity quickly and efficiently.

Guidance provided is educational.

Before investing in any mutual fund or exchange-traded fund, you should consider its investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus, offering circular or, if available, a summary prospectus containing this information. Read it carefully.

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