Frequently Asked Questions

Yes, your password and your username are the same for both your employer sponsored account and your personal account. You can also manage your log in credentials like creating or changing your security questions, your username, and your password.

Before you consider rolling over your retirement plan (e.g., 401(k), 403(b), 457(b)) or taking any kind of distributions, be sure to read the Special Tax Notice Regarding Plan Payments (IRS notice 402(f)), which details the tax consequences of rolling over all or a portion of your employer sponsored account.

When you open a Fidelity personal account, your core account is automatically established. The core account is used for processing cash transactions and for holding uninvested cash.

• When you sell a security, the proceeds are deposited in your core account.
• When you buy a security, cash in your core account is automatically used to pay for the trade. Note that you may also settle trades using margin if it has been established on your brokerage account.
• Additionally, your core account is used to process checks, electronic transfers, authorized credit cards, and payments through Fidelity BillPay®.

For additional information on your core account, investment options for your core account, and current rates, see the Your Account section of the Brokerage Handbook for your personal accounts.

When you want to withdraw money (take a distribution) from your 529 account, simply fill out the College Investing Plan Distribution Form (PDF). You can specify whether to send the money to you, to your child's college, or to another person.

There are a variety of alerts available for your personal accounts. To create alerts or modify existing ones, log in to your accounts and go to Alerts under the Research tab.

By law, mutual funds must pay all net investment income and net capital gains to their investors. Learn more about mutual fund distributions on Fidelity.com.

Determining the type of IRA that's best for you involves the consideration of four factors: your age, your tax filing status, your adjusted gross income, and whether you contribute to an employer sponsored account. Review a comparison and answer these four questions to find out which IRA may work for you.

While you can't take a loan from your IRA, if you meet certain criteria you are eligible to withdraw money without incurring an early withdrawal penalty. Learn more about IRA withdrawals.

On Portfolio Summary, select Contribute to an IRA from the dropdown menu to get to the Transfer Money/Shares page. The amount you've withdrawn in the current year is detailed here.

View the Guide To Brokerage and Investment Advisory Services at Fidelity Investments (PDF)

Yes, your password and your username are the same for both your employer sponsored account and your personal account. You can also manage your log in credentials like creating or changing your security questions, your username, and your password.

Before you consider rolling over your retirement plan (e.g., 401(k), 403(b), 457(b)) or taking any kind of distributions, be sure to read the Special Tax Notice Regarding Plan Payments (IRS notice 402(f)), which details the tax consequences of rolling over all or a portion of your employer sponsored account.

How and whether you can take a loan or withdrawal depends on your employer's plan and the type of transaction you are requesting. To see if you are eligible and for details on how to request a loan or withdrawal, log in to the Loans or Withdrawals sections of your employer sponsored account. Or for general information, see the relevant sections of 401k.com.

The annual IRS dollar limit is $17,000 for 2012 for your 401(k), 403(b), and 457(b) accounts. If you are age 50 or older, you may be able to contribute an additional $5,500 in catch-up contributions in 2012 if applicable to your plan. Your employer sponsored retirement plans may have additional limits or restrictions. Some plans allow you to contribute on an after-tax basis as well. Please refer to your plan rules for additional information.

Some companies and organizations offer a “match” or “matching contribution” as an incentive to contribute to the company retirement plan. It means that the company will contribute a certain percentage of what you contribute to your account, up to a certain limit. If your employer offers matching contributions to your plan, you should consider contributing at least enough to receive the full amount of the match. Matching contributions are effectively like getting free money for your retirement. Please refer to your plan rules for additional information.

Most individuals have four options for the money in their employer sponsored retirement plan account when changing jobs:

• Stay invested in your current plan
• Roll over money to your new employer's plan
• Roll over your plan savings to an IRA
• Take your distribution in cash

For more information and to take action, log in to your account and visit the Changing Jobs section of Tools & Learning.

Yes. If your plan allows, you may be able to download your Fidelity 401(k), 403(b), or 457 accounts into Quicken®. If you need assistance importing this type of account information, call 800-581-5800.

To transfer money online between your bank and your Fidelity account you must initiate an electronic funds transfer (EFT).

For employer sponsored accounts, your plan may offer the ability to set up bank account information for loan or withdrawal payments. To see if you are eligible and for details on how to set up bank information, log in to the Electronic Payments section of your employer sponsored account.

Before you consider rolling over your retirement plan (e.g., 401(k), 403(b), 457(b)) or taking any kind of distributions, be sure to read the Special Tax Notice Regarding Plan Payments (IRS notice 402(f)), which details the tax consequences of rolling over all or a portion of your employer sponsored account.

When you want to withdraw money (take a distribution) from your 529 account, simply fill out the College Investing Plan Distribution Form (PDF). You can specify whether to send the money to you, to your child's college, or to another person.

How and whether you can take a loan or withdrawal depends on your employer's plan and the type of transaction you are requesting. To see if you are eligible and for details on how to request a loan or withdrawal, log in to the Loans or Withdrawals sections of your employer sponsored account. Or for general information, see the relevant sections of 401k.com.

While you can't take a loan from your IRA, if you meet certain criteria you are eligible to withdraw money without an early withdrawal penalty. Learn more about IRA withdrawals.

On Portfolio Summary, select Contribute to an IRA from the dropdown menu to get to the Transfer Money/Shares page. The amount you've withdrawn in the current year is detailed here.

Requests to gift stock out of your brokerage account must be made in writing and submitted to Fidelity, either by bringing a letter of instruction to a Fidelity Investor Center, or by mail at the addresses provided below.

Your letter of instruction should include the following information:

• The names and guaranteed signatures of all of the account owners
• The brokerage account number
• The current address of record for the account
• Your daytime phone number
• Whether or not you want the gift to be anonymous
• A description of the securities being delivered, including the complete security name, number of shares (or dollar amount), and CUSIP number

Additionally, you will need to include information specific to the type of gift you are making.

For gifts to accounts within Fidelity, please provide:

• The Social Security number associated with your account
• The Fidelity account number of the recipient

If you are sending your gift to another Fidelity account and the total amount is $10,000 or less, no signature guarantee is required. Gifts sent to Fidelity accounts take 1–4 days to process.

For gifts to accounts within Fidelity, your letter of instruction should be mailed to:

Fidelity Investments
Attn: Account Reregistration Services
P.O. Box 770001
Cincinnati, OH 45277-0039

For gifts made directly to another person, please provide:

• The full name and address of the recipient, either a person or an institution
• The Social Security or tax identification number of the recipient
• If the recipient is a minor, their date of birth, so the transfer agent may verify whether the minor is of age

For gifts sent to an account at another bank, please provide:

• Name, address, and DTC number of the bank
• Contact person's name and department at the bank handling the account
• Bank account number, if applicable
• Full name and address of recipient
• The Social Security or tax identification number of recipient

For gifts sent to a brokerage account outside of Fidelity, please provide:

• The name, address, and DTC number of receiving broker
• The recipient's Social Security number and account number at the receiving broker

For these types of gifts, your letter of instruction must be mailed to:

Fidelity Investments
Attn: TOA Deliveries
P.O. Box 770001
Mailzone KC1B
Cincinnati, OH 45277-0033

Gifts sent outside of Fidelity take 2–4 weeks to process.

You can get help with logging in by resetting your password, creating or changing a username, and creating or changing your security questions.

You can add a new e-mail address or change your existing one on Fidelity.com. You can also change the e-mail addresses you use to receive Alerts.

Yes, you can create or change your username anytime.

You can add or update your beneficiaries online; however, not all accounts are eligible for electronic updates.

You can change your current password anytime.

To protect your information and assets, Fidelity employs extensive physical, electronic, and procedural security controls, regularly adapting them as technology and threats evolve. Although we cannot fully disclose all of our tactics, you can learn more about the steps Fidelity is taking to keep your account information secure, as well as what you can do to further protect yourself.

If you detect any errors or discrepancies, or suspect unauthorized activity in your account, please contact us promptly at 1-800-FIDELITY. We are proud to offer our Customer Protection Guarantee. We will reimburse your Fidelity account for any losses due to unauthorized activity. Learn more about our guarantee.

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By clicking the Download button on the History page, you can export data from your Account History directly into Microsoft® Excel in CSV (comma-separated values) format. This will export your account transaction details. If you have a Fidelity^® Cash Management Account, you can also filter for specific types of transactions.

The password you use to download your account data is the same password you use for Fidelity online trading and FAST phone access. You can reset a forgotten or blocked password, or you can establish a new password if you've never done so.

Yes. If your plan allows, you may be able to download your Fidelity 401(k), 403(b), or 457 accounts into Quicken®. If you need assistance importing this type of account information, call 800-581-5800.

If you need further assistance downloading your Fidelity account information into Quicken®, call Fidelity at 800-544-7931 and a specialist will be able to assist you.

You can export your investment holdings, account balances, along with 90 days of transaction history for your personal accounts. Additionally, you can get transaction history up to 24 months. If you need assistance please contact Fidelity at 800-544-7931. If your plan allows, you may be able to download your Fidelity 401(k), 403(b), or 457 accounts.

Sometimes a browser doesn't receive all the data transferred from the server, which can cause spaces where the images should be. To solve the problem, try any of the following:

• Click the Reload/Refresh button at the top of the browser. This will cause the information to be transferred to the browser again.
• Try clearing the browser's cache.
• If the links to the images are no longer active, you will not be able to download them.

Any Internet-enabled mobile device will allow access to Fidelity Anywhere. Once enrolled in a data service plan, you can access Fidelity Anywhere from the browser of your device by bookmarking http://fidelity.mobi or https//fidelity.com. Or for employer sponsored accounts, bookmark http://NetBenefits.com, http://fidelity.com/atwork, and http://401k.com.

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