r/Fidelity

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I was attempting to buy a CD on Fidelity secondary market web page. I wanted to put a limit price for the CD but the the field was disable, the higher ask price was set but unchangeable.

I called the their help desk and after 10 minutes of reasons why I could not set the limit price I ended the call.

This did set right with me so the tried again and found that if I change the field from "fill or kill" to "day" I could set the limit price.

I was surprised how the help deek got my simple question so wrong that I am felt wondering if this is incompetence or something else.

Is it better to put all my contributions into Roth or keep it how I have it which is half traditional 401k and half Roth 401k.

On Friday 8/14, I woke up to a ACH withdrawal initiation of $4025 from my brokerage account. The initiation was made at fidelity at 0508 am. It was listed as “DIRECT DEBIT IRS USATAXPAY” and was still “processing.” I immediately called the 24 hr CS line where after I was put on hold multiple times, I was finally informed that fidelity typically will get requests from the IRS and are “obligated” to let them go in your account and just take your money!! I find this incredulous since they also said they are NOT obligated to inform the customer!!

I promptly voiced my displeasure with such practices if true, ‘cos why? I never received any notices in any form from the IRS, I DO NOT NOW OR HAVE EVER OWED THE IRS, plus I literally just opened my brokerage account in July!!!! Anyway, after throwing a fit, I was told to fill out the fidelity written statement of unauthorized debit form and send to them, which I promptly did! I also called IRS and was basically told “It wasn’t us!” And I’ve logged into my IRS account everyday since Friday and my balance since I’ve started paying taxes is “$0”

At this point, I’m very frustrated! I called Fidelity \~8-10 times on Friday, just to get some clarity on how such a thing could happen but got no reasonable response. I was told by the “back room” crew to wait for their investigation, “oh maybe the IRS hasn’t updated their records, keep checking your account” (this is AFTER I told them that I just spoke with IRS, and it’s NOT them!!) I asked for my account to be frozen, that was declined! I asked if they could tell me where the payment was going to, that was declined!!! By 10 am on Friday, $4025 left my account and fidelity did NOTHING to stop it!!

In addition to opening this brokerage, since JULY, I have also moved a prior 401k into a rollover IRA, opened a ROTH IRA, and just the day before all this mess, initiated my baby’s 529 account to be transferred into Fidelity!!! Now I’m rethinking what seemed like a good idea prior to 8/14!!

Has this ever happened to anyone and what was the outcome/Fidelity’s attitude? After raising hell on Friday, I was given a name and reassured that instead of the standard 10-14 days it takes for an investigation, mine would be expedited to 5-7 business days! I guess I should feel special, thankful and grateful to Fidelity for working hard to clean up their mess!!!

Trying to develop a 10 year plan to retirement. Can a Fidelity rep work with me on this, or am I on my own? With Fidelity I currently have a brokerage account, a Fidelity Go account, a Roth account, and a 403b. How much help can I realistically expect from Fidelity rep's?

I am 55 years old and about 10 years from retirement maybe more because I like my job and hopefully it will be around 10 years from now. An old 401k that I had around 30k in, rolled me over into an IRA. I then took that and rolled it over into my Fidelity IRA. I invested it as follows:

FFNOX(Bogle Type of Fund) 70%
FNILX(S and P Fund) 15%
FSELX(Semi-Conductors) 15%

Well Semi-Conductors have thrown this off over the last year or so. My spec of OCD is telling me to rebalance. I am not sure if I should just let it ride or rebalance? Any suggestions.

Is it possible to move Vanguard Tax Managed Balanced fund VTMFX from Vanguard taxable brokerage to Fidelity taxable brokerage account. But I don’t see VTMFX in Fidelity at all.
I have VPMAX in Vanguard Roth account. When I search for VPMAX in Fidelity, it is available with a transaction fees. Why is the difference?

I would like to consolidate into Fidelity but would like to retain VTMFX. Is it possible at all? Thanks for any replies

I’m not sure if I love Schwab or if I love the idea of Schwab. I have been with them since TD Ameritrade I trade futures so I love the thinkorswim platform and the idea of the ecosystem but over the past year the checking account has left for me somewhat stranded. One time add AutoZone when I desperately needed a battery the card declined because Schwab said that network maintenance happens at random times. (8pm on a Friday night) Another time I was at the barbershop and wanted to transfer funds from my brokerage to the checking and it didn’t transfer until the next business day which was coming up Monday. And then another time I was at the gas station and had to switch pumps. $100 came out of my account, but I never got gas and it wasn’t put back into the account until the next business day (a upcoming Monday) Thinking about Fidelity, E*trade checking, Chase or BoA.

I am 66, retired and I am thinking of looking for a new Investment Management planner I have been with Raymond Jamesa little over 2 years.
Currently my portfolio with RJ is a bit over $460,000.00. I am realizing after 2 years (I know smack me now!!)  that my "fees" (1.5%) & I feel are too much for the service I feel I get from RJ with my brokerage accounts and one IRA.
I dont feel commfortable making trades, and trying to manage my funds myself ( doing self management) because IF I panic sell, or make mistakes or buy the wrong stocks I could possibly make a mess of it.
At my age 66 & retired having a comprehensive wealth management planner I feel would be best for my situation. I Will be calling Raymond James this week to discuss fees & see IF I can negotiate my current fees from 1.5% to under 1% I am hoping to get my fees down to (.85% to .090%)<< as I am finding a few fiduciary advisors that have gotten back to me this week are quoting me what they charge & by looking at my statements they feel the fees RJ is charging >1.50 % is a bit steep.
I do use for "self management" >> schwab & Fidelity. I have about $120,000 in Schwab & fidelity combined BUT all in bonds, CD's, schwab smart portfolio, or low risk stocks. so those funds are "self managed" but in no risk products with little or no fees.
All total I manage about 18-20% of my total wealth & am ok with that but to get the most out of the 80% I feel I need help I do not want to risk doing it myself.
I am wondering IF anyone here has used any of the financial management companies I have isted below as I am looking at each one to compare I also realize there are a TON of others, I do not want to get over my head with getting too many quotes then start getting calls then getting more confused because I am calling many fiduciary advisors. Below is a list of who I contacted this week, I already heard back from Retirable today, and will hear from Fidleity, Schwab & Vangaurd all by the end of next week. I have sent my recent statements to all of them. I am not sure what do to I will feel TERRIBLE to leave RJ because my FA there is a great person, considerate of my needs & always calls me back & meets with me 4x a year & more if needed. He is knowledgble,and he is very upfront. it is me that needed to wake up read my statements, learn & now that I have a better understanding, I realize that IF he wont lower my fees? I may need to look elsewhere. Below are the FA's I have contacted
Fidelity investments
Schwab
Retirable
Facet
Vanguard
Has anyone used any of these I mentioned? Today I got a proposal and 45 min video call from Retirable with .90 fees no higher and not a seller of comission based products. I like what I heard but with my linited knowledge I do not want to make a mistake. IF I move from RJ I want it to be my last move
FYI>>> retirable looked at my RJ statements and said it looks like a decent plan but with high fees & they feel I can do better with other products. That was good to hear that it looks like RJ was NOT dong "bad things" just high fees & perhaps there could have been better products to put into my brokerage account.
They also said they can discuss the $150,000 that I have soon coming due in a 5 year annuity ( 2029) and that 150,000.00 that will be a big "help" to even better outcomes than expected.
One thing about retirable, is the FA is what? 30 years old?? that concerns me? should it????? I like the FA's that are 15-20 years or more into their career.
So, should that as well as being a "virtual FA" be a concern?? MY FA now at RJ is 5 miles away & always welcomes a call or visit & he has been a FA for over 15 years, I hate to leave but these fees??????????
I appreciate you reading my posts.

Does anybody have anything concrete for this? I interview Monday in Salt Lake City, and I see multiple posts online referencing 45k during training up to 50k after. Glassdoor suggest a somewhat broader range. Any recent hires have more data?

Edit: In case anyone looks this up later, base pay is 50k in SLC as of August 2026.

(https://www.glassdoor.com/Salary/Fidelity-Investments-CRA-Salaries-E2786_D_KO21,24.htm)

I am writing to express my deep frustration with the terrible Fidelity customer service and website experience I encountered today.

All I wanted to do was perform a simple, routine task: add a travel notice to my account for upcoming international travel. Instead of allowing me to do this online, the website required me to call customer support.

What followed was an exhausting and unacceptable experience:

• Redundant Verification: I spoke with a representative named Bianca who put me through an excruciating identity verification process, only to inform me that she had to transfer my call.
• Excessive Wait Times: I was left on hold for over 20 minutes before being connected to another representative named Destiny.
• Repeated Friction: Destiny required me to go through an even more tedious identity verification process all over again, with zero continuity from the previous representative.
• Lack of Empathy: Disappointed by the process, I asked to speak with a supervisor. Destiny claimed she is a supervisor, but showed complete apathy toward my frustration. Rather than acknowledging the issue or attempting to de-escalate, she simply tried to rush me off the phone with a scripted "Is there anything else I can do for you?"

A routine task should not require a 30+ minute ordeal of repetitive identity checks and dismissive service. I hope Fidelity management takes customer experience seriously and addresses both the website's limitations and the lack of empathy shown by frontline support.

I am considering moving my brokerage accounts from RJ to Fidelity. will they care if my money grows?
With thousands of customers, will I get the care to grow my accounts? or will they just dump my money in funds, not really care &then move on to another client. Is it true the more money you have the more attenrion you get?
I will be just a number? Someone said to me the only person that will care for your money is you. BUT I have limited knowledge & will always wonder.................. did I buy the right thing? Can I really do this??
IF Fidelity has clients with ALOT more money then I do will they get more attention? Do money managers really care IF my investment does well ?

I am 70 years and inherited $$$ years ago. Fidelity has informed me I must take a RMD of $2100 from my IRA this year. The account I must take if from has no cash in it as I bought various stocks over the years... Which I do not wanna sell to obtain the cash. I did not retire until March of this year so I could do a ira deposit from my checking account into the fidelity ira account to cover this. So the money would actually be funds I made this year.

I would be making a ira deposit of $2100 then simply turn around and transfer the money from my IRA to my Roth IRA

I called fidelity and asked a bunch of questions and although they were helpful they said they cannot advise me as what to do. They said to talk to a accountant.

I would welcome any comments. I live in North Carolina

--- thanks

Does the new platform have any option trading analysis capabilities. ATP has the Profit/Loss Calculator where a graph of the open position can be seen. Does something like this exist in the Trader + platform. I was very disappointed when I saw the Trader platform, hoping the Trader + is better.

What a nightmare. I initiated a transfer from Fidelity for funds in my Chase account, only to find out it has a 7-10 day hold. In my case, 10 days for an account that has been open for over 3 years. Fidelity is no help whatsoever, and I’m out of the country on vacation and was hoping to use the funds while away. The reps wouldn’t even bother to help.

I know next to nothing about investing. But I’m learning. Should I invest half and save the rest for after midterms?

Should i invest it all now or stagger?

70% vti?
20% vxus?
10% individual stocks? (Which are strong?)

Ok help. I got a check from Fidelity and I mobile deposited it into my bank. The funds showed up on my account and then were immediately taken out. I was charged a fee for essentially a bounced check I guess? I called the bank and the said there was an error code "Return to Maker" and said I needed to call Fidelity. So I called Fidelity and they said it shows the funds cleared and I need to call the bank. I've been going back and forth with each of them since October of 2025 (now august 2026). I think I get somewhere, but they have to do an investigation and it could take 3-4 weeks so I wait. And then I hear nothing. I've even three way called the bank and Fidelity so they could speak to each other ( neither institution can call each other apparently). They spoke to one another, the bank manager wrote on their letterhead (which Fidelity requested) ​that there are no funds in my bank account. The bank even sent screenshots of my bank account to them to prove that the funds did in fact NOT clear. I've called HR at my former job. I've done everything I can possibly think of and here we are months later with literally just a "bummer, it's their fault" response from both institutions. Now what? Is there someone I can call to have the bank or Fidelity investigated? I'm for sure closing my bank account, but I don't want to do that until I have done everything I possibly can to get MY retirement money back. What do I do? Please help me, good people of reddit

**it's a credit union not a bank, sorry!

Hey, so I am in a big dilemma and I want to know if anybody would have any answers or have this happened to anyone before so basically my account has a balance of $134,999.70 currently but I was told my account is closed and won’t be open anymore and I was told to call back on August 24 for further discussion but I want to know what would happen to the funds or basically what would happen to the account because I had transfers coming in but they were canceled cause I received the email today and supposedly I was told the funds that’s on the account are secure.