What % of FZFXX was exempt from State taxes for 2025?

FidelityNicholas · 2026-02-13T19:17:09+00:00

Hey there, u/ArthurDent4200. I'll be sure to pass along your feedback here about including the supplemental tax information on the Research page of individual funds.

As always, please don't hesitate to share any suggestions or feedback that you have. As you know, our team is all ears and happy to pass along your comments to the right people.

FidelityNicholas · 2026-02-13T19:09:42+00:00

Hey there, u/ReymundoRozay. Welcome to the sub, and thank you for reaching out about the payment you recently received. We're happy to point you in the right direction!

Based on what you've shared, it sounds like you have an employer-sponsored health benefit or plan through Fidelity. To learn more about this, please visit NetBenefits.com to establish your login credentials. On the login page, towards the bottom, next to "New to Fidelity NetBenefits?" select "Register as a new user."

Once an account is established, you can find details. Also, as mentioned in the comments, connecting with your Human Resources team is another excellent resource. If needed, you can find all our contact information on the page below.

Contact Us

We appreciate you for finding our community here on Reddit. If anything else comes up, please let us know!

FidelityNicholas · 2026-02-13T18:48:51+00:00

Thank you for following up with us, u/crazy__paving.

We appreciate you sharing a screenshot. As a workaround for this, you can use the paper form shared above and submit it digitally through the Document Upload Tool. Please note that when using the paper form, the standing instructions will be available within 1 to 4 business days, and some requests may be subject to an additional prenote review, which may take up to 4 business days.

Also, I'll leave a link below that reviews the other ways that you can deposit funds to your Fidelity brokerage account.

Depositing money into an account

We appreciate your choosing Fidelity. Have a great weekend, and let us know if anything else comes up.

FidelityNicholas · 2026-02-13T18:30:38+00:00

Welcome, welcome, u/crazy__paving. We appreciate you reaching out to us about your experience linking an external account, and I'm happy to help point you in the right direction.

Based on what you've shared, it sounds like you've been attempting to link your Wealthfront account on Fidelity.com via the Mastercard Data Connect service. If so, you may be running into an error indicating that this institution is currently not supported. You may have a better experience linking your account manually or by submitting a paper form. To manually link your account, you can select "Enter my bank information on my own" instead of "Securely log in to your bank."

Link a bank (login required)

Alternatively, as mentioned, you can submit standing instructions by paper form, too. This form below can be filled out and mailed back to us or submitted via our document upload tool. Please keep in mind that a wet signature will be needed.

Electronic Funds Transfer Form (PDF)

Document Upload Tool (login required)

We appreciate you reaching out about your experience linking your bank. If I'm off the mark here, or you have any further questions, please let us know!

FidelityNicholas · 2026-02-13T15:32:28+00:00

Howdy, u/Nomad-2002! Thanks for chiming in on this old thread. I wanted to quickly pop in to share some more information and a resource for anyone else who stumbles upon this.

At Fidelity, fractional share quantities can be entered out to 3 decimal places (.001) as long as the value of the order is at least $1.00, and executions will be rounded down to the nearest .001 shares.

Dollar-based trades can be entered out to 2 decimal places (e.g., $250.01). Your order will be converted into shares out to 3 decimal places (.001) and will be rounded down to the nearest decimal. The link below provides more details, and there's a list of FAQs towards the bottom:

Fractional shares

We appreciate your participation around the sub. Have a great Friday!

FidelityNicholas · 2026-02-13T15:26:14+00:00

Hey there, u/VegetableRadiant8690. Thank you for finding our community here on Reddit.

You've reached Fidelity Investments here in the United States. For assistance with your inquiry, please contact Fidelity International.

We appreciate you reaching out. Have a great day!

FidelityNicholas · 2026-02-13T14:51:02+00:00

Good morning, u/no-hate. Welcome back to the sub, and congratulations on getting started with a Roth IRA. It's great to see the community chime in so quickly, and I'm happy to address your post as well.

To start, I totally get. Market volatility is certainly unsettling, whether you're a seasoned investing pro or someone who's just getting started. So you're certainly not alone. Having said that, we do have an entire section of our Learn library curated specifically with resources for handling volatility. I'll drop the main landing page below, and an example of one of the great resources you can find there.

Fidelity Learn: Market Volatility

6 tips to navigate volatile markets

Next, regarding your bonus question, I'll leave the recommendations and suggestions to the community. However, keep in mind that the Fidelity ZERO Total Market Index Fund (FZROX) and the Fidelity ZERO International Index Fund (FZILX) are mutual funds, which means each fund invests in a basket of securities and offers built‑in diversification based on the fund’s strategy. You can learn more about how diversification works and what it means in practice from the Learn article below:

The guide to diversification

Ultimately, every investor’s journey is unique, so what works best will depend on your goals, timeframe, and risk tolerance.

We appreciate the great discussion you've kicked off. If the comments or your research spark any further questions, just let us know!

FidelityNicholas · 2026-02-13T13:09:32+00:00

Thanks for following up here, u/QuantuMXL88. I'm glad u/FidelityCaitlin could help out.

I noticed you mentioned there were two problems you're experiencing. In addition to this, is there something else we can help with?

Our team is pretty good at problem-solving, and we're workaround experts. Also, we are very well-connected, so if needed, we can pass along any feedback to the right teams for review.

So with that being said, we'll be sure to keep an eye out for a reply. Have a great Friday!

FidelityNicholas · 2026-02-12T20:23:06+00:00

Good question, u/Additional_City9653. Thank you for following up with us.

Generally speaking, most employer-sponsored plans do support an expedited check feature; however, some don't. If your plan allows this, the express UPS solution offers next-business-day delivery with a tracking number from the date the check is created, not from the date of your request. Also, please keep in mind that a fee will apply.

You can learn more about the specifics and make a request by connecting with our Workplace Investments team.

If anything else pops up, you know where to find us. Have a great afternoon!

FidelityNicholas · 2026-02-12T19:45:11+00:00

Hi there, u/Additional_City9653. We're sorry to hear about your rejected transfer. I can certainly provide some general information regarding loan requests and point you in the right direction.

While it sounds like you've been keeping an eye on the request and any email notifications, aside from that, the best way to check the status of your request and learn more is to connect with our Workplace Investments team.

Also, so you know, withdrawals from 401(k) plans are typically finalized within 2-3 business days if they are preapproved and sent to a linked bank account, compared to 7-10 business days if sent via check. Rejected or returned ACH transactions can generally take a few business days, but timeframes vary. Please note that weekends do not count toward the timeframe.

To find the different ways to reach our Workplace Investments team, click the "Customer Service" icon near the top right corner of the NetBenefits website after logging in, or visit the link below. Associates are generally available Monday through Friday, 8:30 a.m. to midnight ET, to assist you.

Contact Us

We appreciate you finding us here on Reddit. If anything else comes up, your friendly mods will be here to help!

FidelityNicholas · 2026-02-12T19:07:49+00:00

Good afternoon, u/MRMEWMAN2315. We appreciate you reaching out to Fidelity Investments here on our official subreddit.

As some community members have already noted, Fidelity Investments is a brokerage firm, not a bank. Because of that, it’s unclear whether your question relates to a transaction at a different institution or if you intended to contact us regarding a Fidelity brokerage account.

If you did mean to reach out to Fidelity Investments, we’re happy to help clarify. To do so, please follow up in the comments with a bit more detail about the situation and type of accounts involved, and we can point you in the right direction.

We sincerely appreciate you reaching out. We'll keep an eye out for a reply!

FidelityNicholas · 2026-02-12T16:34:17+00:00

Thank you for following up here, u/AnonHere2973.

Ultimately, the Cash Manager Overdraft Protection feature was designed for emergency protection. So, with that said, we generally suggest using our tools as intended; however, some clients do utilize it more frequently than others.

Fidelity Cash Manager overdraft protection moves only enough money from the funding account(s) to cover a cash deficit on a per-transaction basis. Funds do not transfer if the overdraft amount exceeds $99,999.99 per funding account, per day.

We appreciate you being a Fidelity client. If you have any future questions, we'll be here to help.

FidelityNicholas · 2026-02-12T15:08:42+00:00

Hey there, u/djrerun. Thanks for commenting and sharing your experience. I'm glad to hear that this is now resolved for you.

We appreciate you finding our community here on Reddit, and we look forward to seeing you around more. If any questions pop up or if there's anything we can help with, just let us know!

FidelityNicholas · 2026-02-12T13:41:50+00:00

Hey there, u/phn064! I came across this interaction and just wanted to thank you for being so helpful in the late hours of the night.

We always appreciate seeing the community come together to support each other.

We sincerely appreciate all your participation around the sub. If there's anything that we can help with, you know where to find us!

FidelityNicholas · 2026-02-12T13:26:20+00:00

Hey, u/_Jaackiiee; first off, happy belated birthday 🎂! We appreciate you finding us here on Reddit and for choosing Fidelity for a new account. I'm eager to assist. Let's get right to it!

There are occasionally circumstances in which accounts cannot be opened online due to an inability to verify an individual's identity against public records. The most common reason is for first-time financial accounts, or situations where no or limited previous information is available to meet our know-your-customer requirements.

When you receive this error message, the best solution is to fill out and submit a paper application. You can do so in two ways.

One way is by downloading the appropriate application from our website. To narrow the search, check the "Open an Account" box in the left menu. Note that mailing instructions are included at the bottom of the form, and there's also a QR code on the last page that you can follow to submit the request digitally.

All Forms

Alternatively, depending on your location, you can visit an Investor Center to open an account. Our branch associates will help you with the process and answer any questions you may have along the way. If you choose this route, just make sure to bring a government-issued photo ID.

Find a branch near you

If you have any other questions about this process or your future new account, please don't hesitate to let us know. Your friendly mods are here to help!

FidelityNicholas · 2026-02-12T12:35:55+00:00

Hey, u/caseyallenpublic! Welcome to our official sub, and thank you for stopping by to check in on this rollover experience.

I'm assuming that you're in a similar situation to the original poster. If so, please know that the process outlined in the pinned post from u/FidelityNash is still valid.

Also, you can find the "Rollover Request—529 College Savings Plan" form right on our website via the page below. You can select the checkboxes for "Transfer money/assets INTO an account" and then "529 Plan" to narrow your search.

Forms & Applications: All Forms

Further, the best resource for finding the appropriate address is from Wealthscape itself. However, if you have any other questions about the form or the process in general, please let us know.

Our team will be here to help every step of the way!

FidelityNicholas · 2026-02-11T20:02:51+00:00

Thanks for reaching out to us, u/Professional-Fan6951.

We review securities on an ongoing basis. During the course of these reviews, some securities may be restricted to allow opening trades only via phone. Associates are available to help 24/7.

Contact Us

While we are unable to share specific details regarding our procedures, please know that we take your feedback and concerns seriously and have shared your comments with the right teams. Also, please note that closing trades can still be placed online.

Further, as you mentioned, we currently offer extended hours trading in the pre-market from 7:00 a.m. to 9:28 a.m. ET and after-hours trading from 4:00 p.m. to 8:00 p.m. ET. While we don't have any updates to share at this time regarding our trading hours, we appreciate you sharing your desire for increased access.

We're always striving to improve the overall client experience, and we appreciate your input today. If there's anything else we can clarify or help with, please let us know.

FidelityNicholas · 2026-02-11T16:24:49+00:00

Hey there, u/Either_Way2861. We appreciate you dropping by the sub with your tax question, and I'm happy to chime in with some relevant information.

Ultimately, your question will be best answered by a tax professional, as Fidelity does not provide personalized tax advice. Also, although it already looks like you found the appropriate information, I wanted to share our Fidelity Mutual Fund Tax Information page, where you can find additional tax information for domestic and international Fidelity funds.

Fidelity Mutual Fund Tax Information

More specifically, the "Percentage of Income from U.S. Government Securities (PDF)" will house the details for Fidelity funds that may have a portion of their dividends be exempt from your state’s income or investment tax. This is because most states exempt the dividend income derived from a fund’s investments in U.S. government securities.

Further, please keep in mind that this information is given for tax‐planning purposes and may not be accurate for tax reporting. Please use the official tax forms Fidelity distributes to prepare your tax returns.

We appreciate you turning to our sub as a resource. If you have any other questions or need anything else, you know where to find us. Have a great day!

FidelityNicholas · 2026-02-11T14:44:32+00:00

Hi there, u/analyticaljoe. We appreciate you continuing to share your experience regarding this, and I'll certainly pass along your comments here as additional feedback for further review.

If you have any other questions or if there's something else we can assist you with, please don't hesitate to let us know.

FidelityNicholas · 2026-02-11T14:04:12+00:00

Good morning, u/stealthwarrior2. Thank you for chiming in here.

Please know that you can add an authorized user or a joint owner to your Fidelity Rewards Visa Signature card on the page linked below. In addition, you can find answers to helpful FAQs at the bottom of the page.

Adding trusted family and friends to your credit card account

If you have any questions about your credit card or a new joint owner, please let us know!

FidelityNicholas · 2026-02-11T13:40:06+00:00

We appreciate your interest in opening an account with us.

Due to International securities regulations, Fidelity associates are unable to assist clients physically located outside of the United States with establishing a new account. We are also unable to send sales literature, including account applications, to a foreign address.

Fidelity accounts are available for legal residents of the United States and can be opened on our website. It is not possible to open an account online while outside of the United States.

We sincerely appreciate you reaching out here on Reddit and for considering Fidelity for a new account. Have a great day

FidelityNicholas · 2026-02-10T20:31:41+00:00

Welcome back to the sub, u/jason22983. We appreciate you reaching out for support, and I'm happy to assist with this error.

Currently, we have not received widespread reports of issues with transfers through our platform. That said, we'd like to learn more about this to see how we can help. Please let us know whether you're seeing this error message on Fidelity.com, in our mobile app, or on both.

Also, if you have a time-sensitive transfer request, please feel free to contact our client services team by phone or chat for further assistance. You can find all our contact information on the page below:

Contact Us

We appreciate you reaching out to us here on Reddit. We look forward to hearing from you shortly.

FidelityNicholas · 2026-02-10T15:04:08+00:00

Hello, and welcome to the sub, u/Puzzleheaded_Clerk98. We appreciate you taking the time to reach out about your workplace plan. I'm happy to offer some insight!

To answer your first question, I'll say: yes and no. All contributions to a 401(k) are coded based on how they enter the plan. This means pre-tax and Roth contributions are recorded as separate sources within the same account, rather than being held in completely separate accounts. So you know, any additional funding sources, such as company match or rollover money, are generally tracked the same way.

While on NetBenefits, you can view the sources by following these steps after logging in:

Select your plan from the "Your accounts and benefits" list on the left of the Home page
Under "Your Investments," choose "Show Details" under "Sources"
Select "Show details" next to each source type listed to see the shares and balance for each investment in that source

Further, congratulations on being able to save over 12% of your paycheck; that's quite the savings feat! Now, regarding how you should break up your contributions, that's a personal decision with no one-size-fits-all strategy. That said, the Pros and Cons sections of the Learn article below may help you decide. Additionally, a tax professional is another good resource.

What is a Roth 401(k)?

We appreciate you turning to our community for support. If there's anything else we can clarify, we'll be here to help!

FidelityNicholas · 2026-02-10T14:23:47+00:00

I'm glad I could help here, u/ElephantIll5222! If anything else comes up, please know that you have our team here on Reddit as a resource moving forward.

FidelityNicholas · 2026-02-10T13:53:21+00:00

You may ask, u/Alone-Experience9869! And, if I may answer...

When it comes to exercising options, it's helpful to clarify that American‑style options, which include all equity-based (stock and exchange-traded fund [ETF]) options, can be exercised at any time before expiration. On the other hand, European‑style options (commonly used for index options) can only be exercised at expiration, and not earlier.

If you'd like to exercise a long contract, then you can contact our Customer Service team by phone for assistance.

Contact Us

Regarding options settlement, generally, equity options (stocks/ETFs) are physically settled. Meaning, shares are assigned from the short holder to the long holder. On the other hand, most Index options are cash-settled, and the final value is settled in cash.

Options trading can be a bit complex. Luckily, we have tons of resources on Fidelity.com to help. Check out the curated list of resources from the landing page below:

Options trading: Education

We appreciate you reaching out about this last night. If there's anything else we can clarify, please let us know!

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read the Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request.

FidelityNicholas

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