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$0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs), and options (+ $0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (historically from $0.01 to $0.03 per $1,000 of principal). A limited number of ETFs are subject to a transaction-based service fee of $100. See full list of ETFs subject to this service fee here. There is an Options Regulatory Fee that applies to both option buy and sell transactions. The fee is subject to change. Other exclusions and conditions may apply. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Institutional® are subject to different commission schedules.
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Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read . Supporting documentation for any claims, if applicable, will be furnished upon request.
1. Contributions must be made by the employer and can vary each year between 0% and 25% of compensation (maximum $66,000 for 2023 and $69,000 for 2024). Each eligible employee must receive the same percentage. The deadline to make SEP IRA for prior year is April 15, 2024 or October 15, 2024, if an extension is filed.
2. For self-employed 401(k) plans, individuals may contribute up to $22,500 for 2023 ($30,000 if age 50 or older) and $23,000 for 2024 ($30,500 if age 50 or older). Employers may contribute up to 25% of compensation, up to the annual maximum of $66,000 for 2023 and $69,000 for 2024. Maximum compensation on which contributions can be $330,000 for 2023 and $345,000 for 2024. If you are self-employed, compensation means earned income. Total contributions cannot exceed $66,000 for 2023 ($73,500 if age 50 or older and contributing the catch-up contribution amount) and $69,000 for 2024 ($76,500 if age 50 or older and contributing the catch-up contribution amount). Salary deferral catch up limits are $7,500 for 2023 and 2024 (if age 50 or older). With catch-up provisions, individuals age 50 and older may defer up to $30,000 for 2023, $30,500 for 2024, subject to the combined deferral and employer contribution limit. Note that the total of salary deferrals and profit sharing contributions cannot exceed $66,000 for 2023 ($73,500 if age 50 or older) and $69,000 for 2024 ($76,500 if age 50 or older and contributing the catch-up contribution amount). In order to make both profit sharing contributions and salary deferrals, the deadline for self-employed individuals and owner-only businesses is the business's tax filing deadline, including extensions, April 15, 2024 (or October 15, 2024 if filing an extension).
3. Morningstar rated 10 retail HSA providers for HSAs as a spending account to cover current medical costs and HSAs as an investment account to save for future medical expenses. Results published in "2019 Health Savings Account Landscape," "2020 Health Savings Account Landscape", "2021 Health Savings Account Landscape", and "2022 Health Savings Account Landscape". These ratings are applicable to the Fidelity HSA® only.
4.
With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation.
5. Stride and Fidelity Investments are independent entities and are not legally affiliated.
7.
The Fidelity Cash Management account is a brokerage account designed for investing, spending and cash management. Investing excludes options and margin trading. For a more traditional brokerage account, consider the Fidelity Account.
8. Fidelity Term Life Insurance (Policy Form Nos. FTL-96200, et al. and FTL-99200, et al.) is issued by Fidelity Investments Life Insurance Company, 900 Salem Street, Smithfield, RI 02917. Fidelity Insurance Agency, Inc. is the distributor. A contract's financial guarantees are solely the responsibility of and are subject to the claims-paying ability of the issuing insurance company. This product is not available in New York or Virginia
9.
There are zero account fees and zero account minimums for Fidelity HSAs® offered through Fidelity.com to individuals and employers. There may be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e.g., managed accounts). When a Fidelity HSA® is offered as part of an employer’s benefits package (which occurs through NetBenefits®), Fidelity charges the employer a recordkeeping fee. This is a common fee charged by HSA providers. This fee may be up to $48/year, but it could be reduced or waived depending on the HSA balance. Employers may pass this fee on to their employees. Contact the employer for more information. Accounts that have been opened through, or are serviced by, an intermediary, or in connection with your workplace benefits, may incur additional fees or restrictions. Account minimums may apply to certain investments, including the purchase of some Fidelity mutual funds that have a minimum investment requirement. If you choose to invest in mutual funds, underlying fund expenses still apply. For more information and details, see the fund's prospectus and/or www.fidelity.com/commissions.
10.
Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.
11.
Your Fidelity Cash Management account will automatically be reimbursed for all ATM fees charged by other institutions while using the Fidelity® Debit Card at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited. Fidelity does not charge foreign transaction fees; however, if you choose to pay a foreign debit card transaction in US dollars, your transaction may be processed at a rate different than market exchange.
Images are for illustrative purposes only.
The information provided herein is general in nature. It is not intended, nor should it be construed, as legal or tax advice. Because the administration of an HSA is a taxpayer responsibility, you are strongly encouraged to consult your tax advisor before opening an HSA. You are also encouraged to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS website at IRS.gov. You can find IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, and IRS Publication 502, Medical and Dental Expenses, online, or you can call the IRS to request a copy of each at 800-829-3676.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
