Fidelity Investment Review

Account Types and Features

 A wide range of self-directed and managed accounts from Fidelity Investments are available to meet the needs of investors with varying objectives and risk tolerances. Fidelity Investments accounts feature no fees and no minimum deposit requirements compared to certain other online brokers.

 Clients may choose from a variety of service tiers based on the amount of money they trade. To be considered an active trader, you must make at least 120 deals each year and have access to a slew of perks. VIP status is provided to active traders who make at least 500 transactions a year. These traders get the highest degree of service available to high-net-worth people.

 In addition to these accounts, Fidelity Investments also provides Retirement Accounts, Wealth Management Solutions, Options Trading, College Savings Plans, Retirement Plans, and several other solutions to suit the financial objectives and restrictions of investors and their unique tax situation.

 The retail investor accounts, and international trading account options offered by Fidelity Investments include:

️​ Brokerage Account

️​ Cash Management Account

️​ Brokerage and Cash Management

️​ The Fidelity Account for Businesses

️​ Fidelity Go

️​ Fidelity Personalized Planning and Advice

️​ Portfolio Advisory Services Accounts

️​ Fidelity Tax-Managed US Equity Index Strategy

️​ Fidelity Equity-Income Strategy

️​ Fidelity International Equity Strategy

️​ Fidelity Tax-Managed International Equity Index Strategy

️​ Fidelity US Large-Cap Equity Strategy

️​ Fidelity Core Bond Strategy

️​ Fidelity Intermediate Municipal Strategy

️​ Breckinridge Intermediate Municipal Strategy

Live Trading Accounts

Brokerage Account

 This account is a full-service and full-featured broker account that exempts traders from fees and minimum deposits. With this account, traders have access to US individual stocks, ETFs, and options that can be traded online at competitive trading conditions and with no commissions.

 In addition, investors who use this account will also be granted access to mutual funds, bonds, CDs, IPOs, and several other tradable instruments. Fidelity Investments offers traders the use of a wide range of advanced tools and research, helping them make informed investment decisions.

 There is no annual account fee on this account and the margin rates that investors can expect start from 4%.

Cash Management Account

 An alternative to typical checking accounts, the Fidelity Cash Management Account is a practical option for those who want Federal Deposit Insurance Corporation (FDIC) protection. When it comes to checking accounts, this one is an easy decision for those who do not want to deal with the hassle of an intermediary such as an investment or commercial bank.

Brokerage and Cash Management

 A combination between the Fidelity Account and the Cash Management Account offers traders a wide range of benefits. Traders can enjoy the full-featured, low-cost brokerage account in addition to the cash management account, with any ATM fees reimbursed and all deposits made into this account eligible for cover from the FDIC.

The Fidelity Account for Businesses

 With the Fidelity Business Accounts, institutional investors have access to a wide range of trading, mutual fund, and cash management tools to better manage the finances of their business. In addition, legal or professional organizations and groups are eligible for this account.

 All the financial requirements of institutional and professional traders can be met with this low-cost brokerage account’s extensive trading, mutual fund, and cash management capabilities.

 The account features of the Fidelity Account for Businesses include:

️​ Zero annual account fees.

️​ No trading fees for most Fidelity Mutual Funds

️​ Zero commissions on US stock trades

️​ A wide range of investment and trading options including over 3,700 no-load Fidelity Mutual Funds and those from other companies, 28 ETFs from Fidelity and 329 from iShares, with 146 from other industry leaders.

️​ Access experienced and helpful representatives.

️​ Free research from over 20 providers.

️​ Access to an advanced trading platform and tools for active traders.

️​ A choice between different deposit methods and the option to transfer funds from the trader’s bank or broker, direct deposit, cheques, and so on.

️​ Any uninvested cash in the account will be held in a core position, with traders able to choose between Fidelity Government Money Market Fund (SPAXX) or Fidelity Treasury Fund (FZFXX).

Fidelity Go

 Fidelity Go is a Robo advisor that is designed for use by traders and investors who want simple, cost-effective yet professional money management solutions. Investors opting for this need to answer a few questions, allowing Fidelity Investments to provide them with a mix of investments that accommodate the investor’s risk tolerance, the time horizon for their investment, and overall goals.

 For investment sizes of $10,000 and below there are no advisory fees. However, for balances between $10,000 up to $49,000, there is a $3 fee per month. Investment amounts of $50,000 and higher have a 0.35% fee charged yearly.

Fidelity Personalized Planning and Advice

 Investors who desire digital investment management with 1-on-1 coaching from a team of advisers and access to a range of financial issues may take advantage of Fidelity Investment’s digital guidance solution.

 Fidelity Investments will work with every investor to create, execute, and manage their road map for success once they have completed a few answers to a few questions online to receive a free, no-obligation investment proposal.

Portfolio Advisory Services Accounts

 Diversified managed portfolios including mutual funds and exchange-traded products are available via Fidelity Wealth Services and can be tailored to meet an investor’s specific investing preferences, objectives, or requirements.

 Tax-sensitive investment management, as well as total return, a defensive investment strategy, and an emphasis on income, are a few of the preferred solutions.

Fidelity Tax-Managed US Equity Index Strategy

 To maximize after-tax returns, this account focuses on long-term growth potential in US large-cap equities and tax management. The minimum investment on this account type is $100,000 and there is an annual advisory fee of between 0.20% and 0.65%, depending on the asset class and instruments that are invested.

Fidelity Equity-Income Strategy

 This is a separately managed account that aims toward long-term capital growth and dividend income more than the S&P 500 Index while experiencing less volatility than the US stock market. The minimum investment on this account type is $100,000 and there is an annual advisory fee of between 0.30% and 0.90%, depending on the total assets that are invested.

Fidelity International Equity Strategy

 A separately managed account that invests in developed-market nations outside the United States to outperform the MSCI EAFE Index (Net MA Tax) throughout a market cycle.

 The minimum investment amount on this account is $100,000 and there is an annual advisory fee of between 0.30% and 0.90% according to the total amount of assets invested.

 This account focuses on diversifying the portfolio of an investor across non-US developed market countries as well as equity trades and styles such as growth, value, and core.

Fidelity Tax-Managed International Equity Index Strategy

 This independently managed account intends to maximize after-tax returns by pursuing the long-term potential of foreign developed market equities. The types of investment included in this account are US-traded American depositary receipts (ADRs) as well as ETFs.

 The minimum investment amount is $100,000 and there is an applicable annual advisory fee of between 0.20% and 0.65%.

Fidelity US Large-Cap Equity Strategy

 This account type is a separately managed account that pursues long-term performance to outperform the S&P 500 Index over a complete market cycle. The type of investment included in this account is US large-cap stocks and the account helps investors diversify their portfolio across several US equity styles.

 The minimum investment amount is $100,000 and investors can expect an annual advisory fee of between 30% and 90%.

Fidelity Core Bond Strategy

 Investment-grade taxable bonds are immediately placed in this account to earn interest income while minimizing the danger to the money that the investor has deposited. The investments in this account include A- or higher investment-grade taxable bonds.

 The minimum investment amount is $350,000 and the annual advisory fee ranges from 0.35% to 0.40%.

Fidelity Intermediate Municipal Strategy

 Investing directly in a portfolio of investment-grade municipal bonds via this independently managed account provides tax-free interest income while also attempting to keep the value of your investment as low as possible. The minimum investment amount is $350,000 and the annual advisory fee ranges from 0.35% to 0.40%.

Breckinridge Intermediate Municipal Strategy

 Individual investment-grade municipal bonds make up this separately managed account, which is overseen by a team of financial experts that invest your money with an eye on protecting your principle while also generating federally tax-free interest income.

 The minimum investment amount is $350,000 and the annual advisory fee ranges from 0.35% to 0.40%.

Demo Account

 A paper trading account, or demo account, is a practice account that offers traders a certain amount of virtual funds that they can use, allowing them to enter the live market without risking their capital. 

 There is a certain degree of risk involved when trading financial markets and Fidelity Investments offers its clients a risk-free platform where they can test a range of complex options strategies, investment strategies, practice trading, and explore what the broker offers in a safe trading environment with real market conditions.