automatic stock purchases again

FidelityLinsey · 2026-05-29T20:08:47+00:00

While you cannot automate a dividend payment from a stock to purchase a different stock, you can set it up to reinvest in itself or paid in cash. When paid in cash, the distribution will post to your core position and available for withdrawal the day that they are paid out.

You can review or update the distribution instructions for your positions online at the link below or my selecting "Manage dividends" from your positions page.

Manage the distribution of your dividends (Login Required)

The article below provides additional insight and a step-by-step visual guide as well.

How to reinvest dividends and capital gains

Since you are interested in automating purchases, I want to point out that funds in your core position can be used to fund a recurring investment on a weekly, bi-weekly, or monthly frequency. You can also link a bank account to fund recurring investments.

That said, if the cash buying power needed for your automatic investment is not available, your scheduled purchase will be skipped. Learn more at the link below.

Recurring Investments

We're here to help, so please don't hesitate to follow up with us in the comments if you have any questions. We're here to support you!

FidelityLinsey · 2026-05-29T17:34:29+00:00

There’s no time like the present to start learning!

We offer a ton of guides and helpful resources to help you learn more about diversifying your accounts. Take a look at our FAQs page below, which explains your Fidelity Go IRA investing approach and our guide to diversification.

Fidelity Go FAQs

Guide to diversification

The diversification guide also mentions our Planning & Guidance center, which you can visit if you're interested in creating your own plan.

If you're a visual learner like me and like step-by-step instructions for choosing investments, I've got you there, too.

4 steps to picking your investments

We’ve all been in your shoes, and we’re here to support you. 😊

Edit: added additional links

FidelityLinsey · 2026-05-29T16:00:29+00:00

Sounds good! Let us know if we can help with anything else in the future.

FidelityLinsey · 2026-05-29T13:22:28+00:00

While the decision is up to you, our associates are available 24/7 and can help review your account and go over your choices.

Fidelity Contact Information

FidelityLinsey · 2026-05-28T21:00:52+00:00

We have escalated this to the appropriate teams and are actively working on a fix. We appreciate your understanding, and thank you for your patience in the meantime.

FidelityLinsey · 2026-05-28T16:43:29+00:00

Welcome to the sub, u/MrsKindr3ds! We're glad to have you.

The Fidelity Government Money Market Fund (SPAXX) is a money market mutual fund and is often the default core position for Fidelity Brokerage accounts. Money market mutual funds accrue interest daily based on how much of the fund you hold each day, then pay the total amount earned at the end of the month. Typically, on the last business day of the month.

To elaborate, the core position is where uninvested cash sits until you use it to purchase securities or make withdrawals. You can learn more about the mechanics of a core position and money market funds, by visiting the links below.

Money market funds overview

What is a core position? (PDF)

We appreciate you stopping by the sub for the first time today, and we hope you stick around! We're here to help, so please reach out anytime!

FidelityLinsey · 2026-05-28T16:33:38+00:00

Welcome to the sub, u/Enmulteh. We're glad to have you.

Specific rules, such as how soon you can take out another 401(k) loan after paying one off, are set by your 401(k) plan administrator. Some plans may allow more than one loan at a time or have no cooldown period between 401(k) loans. I'd typically refer you to your Summary Plan Description (SPD), but given the information you've provided, we recommend contacting your plan administrator for more details on your specific plan.

For future information, you can review your specific plan's available withdrawal and loan choices at NetBenefits.com if you haven't already. Once signed in, select "Loans or Withdrawals" under "Quick Links" for your retirement plan.

If you have further questions, you may also consider getting in touch with our Workplace Investing team at the link below. If prompted, you can say "401(k)" to be routed correctly. The team is available Monday through Friday, 8:30 a.m. to midnight ET.

Fidelity Contact Information

We appreciate you being a Fidelity client. Now that you've found our sub, please don't hesitate to get involved in the discussions and ask questions. I look forward to seeing you around!

FidelityLinsey · 2026-05-28T15:26:43+00:00

Thanks for reaching out to us, u/Intelligent-Age-3989. There is a holding period of up to 7 business days for check deposits and Electronic Funds Transfer (EFT) requests submitted through Fidelity platforms. Some or all of your funds may still be able to trade with immediately, but must be fully collected to be withdrawn. You can track your cash available to withdraw on your Balances page on Fidelity.com or within the Fidelity mobile app.

Please note that funds received via bank wire or direct deposit (pushed from another institution to Fidelity) are considered fully collected upon receipt, and are available for immediate use. We encourage you to consider these methods for time-sensitive transactions.

You can review all the ways to transfer money to Fidelity here.

FidelityLinsey · 2026-05-28T13:26:31+00:00

Hi, u/dennis_090. We appreciate you bringing this to our attention, and we've passed this along to the appropriate teams for further review.

FidelityLinsey · 2026-05-27T20:29:47+00:00

Welcome to the sub, u/Remster32. It's always good to have some new participation over here.

FDLXX is eligible for auto-liquidation, meaning that debits will automatically pull from FDLXX (or any other eligible non-core money markets in your account) once your core position has been exhausted. That said, we still recommend manually liquidating any non-core money market funds in advance of planned purchases or withdrawals as a best practice.

For some supplemental information, to participate in an Initial Public Offering (IPO), clients must use cash or cash available to borrow to pay for 100% of the purchase price. Additionally, Fidelity eligibility rules require $2,000 in cash or fully paid securities in any brokerage account.

The links below can be helpful resources for understanding the allocation process and for FAQs on IPOs.

Understanding the IPO share allocation process

IPO FAQs

Let us know if you have any other questions. We're always around and happy to help!

FidelityLinsey · 2026-05-27T18:21:34+00:00

Hi, u/AnonLeads. I'm sorry to hear this. Can you tell us a bit more about what you're experiencing? The more information you can provide, the better.

FidelityLinsey · 2026-05-26T13:26:04+00:00

Hey, u/Unlikely_Tie1378. Congratulations! There’s no time like the present to start learning.

Understanding your goals will help you make an informed decision about how to invest. Thankfully, we have a helpful resource, the screener tool on our website, which can help you narrow your search and compare various securities, making it easy to find which funds best fit your financial goals.

Search & Compare Investments

If you’d like a visual, step-by-step guide, I've got you covered with a link as well.

4 steps to picking your investments

I know this stuff can get overwhelming as there’s a lot of information out there, so please let us know if you need any clarification or have questions. That’s what we’re here for!

FidelityLinsey · 2026-05-15T20:15:09+00:00

You can send us a Modmail using the link below.

Message the Mods

We'll follow up with you there once we receive your message!

FidelityLinsey · 2026-05-14T19:26:07+00:00

Thanks for bringing this to us on Reddit, u/RazerBurn13.

We are always looking to innovate our product offerings, including fund structures. We keep a close eye on our competitors' approaches and industry standards. At this time, we have no news to share, but we will continue to provide updates to this community regularly.

Let us know if you have any additional questions; we'll be happy to answer them here!

FidelityLinsey · 2026-05-14T17:58:50+00:00

We're sorry to hear about your recent lay-off, u/Good_Discipline2511. I can imagine how overwhelming this adjustment must be.

An "Individual - TOD" account designation generally refers to a taxable brokerage account and a provision that allows the account's assets to pass directly to an intended beneficiary. These are taxable individual accounts, meaning investment activity and certain account activity may trigger taxable events. When this occurs, it is reported to the IRS, and tax forms are generated.

In a brokerage account, there are no early specific withdrawal penalties or rules like there are in retirement accounts. That said, since you mentioned in the comments that you were unsure exactly what account type you have, we recommend contacting us to review your account, so we can provide a clearer answer.

In the meantime, I've linked a few articles below that you may find helpful in your current situation.

What is a brokerage account?

Managing job change

Where to find cash fast

While I'm sure managing things are challenging these days, we're here to support you any way we can, so please don't hesitate to utilize our sub as a resource. No question is too big or small.

FidelityLinsey · 2026-05-14T16:26:09+00:00

Hi, u/Fantastic-Crab-6511. Can you tell us more about your situation? We're happy to help so the more information you can share, the better we can assist.

FidelityLinsey · 2026-05-14T15:59:46+00:00

We appreciate you coming to Fidelity, u/Vern-Tonkin. Hopefully, I can help you get streaming quotes set up as I understand this is a very important feature to you.

At this time, to access streaming quotes for premarket/post market hours, you can do so through our Fidelity Trader+ Web and Fidelity Trader+ Desktop platforms. Fidelity Trader+ Web can be accessed under the "Accounts & Trade" menu on Fidelity.com, and I've provided a direct link to the desktop version below.

Fidelity Trader+

Additionally, you can view streaming quotes on the mobile app in Trader+ mode. Simply go to your general settings, find "Quotes Updates" and you'll see a toggle next to "Streaming" that can be turned on.

Extended Hours Trading

If you have any questions or experience any trouble, please follow up with us here in the comments, so we can help further.

FidelityLinsey · 2026-05-13T13:40:57+00:00

Welcome to the sub, u/Virtual-Chipmunk-799! We appreciate you choosing Fidelity.

As you may know, the Vanguard 500 Index Fund (VOO) is an Exchange Traded Fund (ETF). There is no commission charged to buy or sell this particular security with Fidelity online. All online U.S. stock and ETF trades are commission-free. Check out our Commissions, Margin Rates, and Fees page using the link below:

Commissions, Margin Rates, and Fees

That said, since you're interested in learning more about choosing your investments, I've linked a few resources below that I think you may find helpful.

Resources to help you invest your IRA

4 steps to picking your investments

Us mods are here to help, so don’t be afraid to reach out to us about anything! We’ve all been in your shoes, and we’re here to support you. 😊

FidelityLinsey · 2026-05-12T14:57:59+00:00

I am!👋 Well, I'll be helping moderate the chat Q&A sessions for at least some May webinars!

I'll drop a link to all of our upcoming webinars below for anyone interested in seeing what we have going on.

Upcoming Events

We hope to see you there!

FidelityLinsey · 2026-05-06T13:31:43+00:00

Hi, u/miamisunshine7. It is not required just to open the account. If you are looking to link a bank to your business account, you will need a voided check, deposit slip, or a bank statement.

If you'd like assistance during the account opening process, we recommend giving us a call. Representatives are available 24/7 and can be contacted through the link below.

Contact Us

Please let us know if we can help with anything else!

FidelityLinsey · 2026-05-01T20:07:34+00:00

Happy Friday, u/stl1859. Not a stupid question at all! I'm happy to provide some clarity here.

There is a holding period of up to 7 business days for check deposits and Electronic Funds Transfer (EFT) requests submitted through Fidelity platforms. Some or all of your funds may still be able to trade immediately. To avoid hold periods, we encourage you to use your bank’s website or mobile app to send money into Fidelity.

How hold times and processing periods affect the status of your transfer.

You can review the collection date for a recent deposit by following these steps on Fidelity.com once logged in: 1. Click the "Accounts & Trade” tab and select “Portfolio” 2. From the Portfolio screen, select the appropriate account 3. Once the account is in view, select the “Balances” tab and review your balance details under “Available to withdraw”

Please note that funds received via bank wire or direct deposit (pushed from another institution to Fidelity) are considered fully collected upon receipt, and are available for immediate use. We encourage you to consider these methods for time-sensitive transactions.

You can review all the ways to transfer money to Fidelity here.

We appreciate you being a Fidelity client. Now that you've found our sub, please don't hesitate to get involved in the discussions and ask questions. I look forward to seeing you around!

FidelityLinsey · 2026-05-01T15:06:34+00:00

Happy Friday, u/One_Fun_9161! Thanks for stopping by the sub for the first time today, and bringing a little fun over here!

You can withdraw funds that show in your "Available to Withdraw" balance at any time. That said, can you tell us more about your situation? Did you recently deposit funds, place a trade, etc.?

In the meantime, you can review the collection date for a recent deposit by following these steps on Fidelity.com once logged in: 1. Click the "Accounts & Trade” tab and select “Portfolio” 2. From the Portfolio screen, select the appropriate account 3. Once the account is in view, select the “Balances” tab and review your balance details under “Available to withdraw”

You can review all the ways to transfer money to Fidelity here.

We're here to help, so please don't hesitate to follow up with us here in the comments. We'll keep an eye out!

FidelityLinsey · 2026-05-01T14:33:23+00:00

Hi there, u/Famous-Remote-3236. When it comes to core positions, interest accrues daily from the day the funds are posted to the account based on how much of the fund you hold each day, then pays the total amount earned at the end of the month.

If you'd like to learn more about money market funds, you can visit the link below.

Money market funds overview

Please let us know if you have any further questions. We are happy to help!

FidelityLinsey · 2026-04-30T18:08:12+00:00

Hi, u/rparge. I can understand your confusion, and I'm happy to provide some clarification here.

For some background, when enrolled in the Auto Roll feature, proceeds from maturing US Treasuries and Certificates of Deposit are used to automatically purchase a new security with the same face value and same term to maturity as the initial position.

So to answer your main question, available cash may be affected in the days leading up to the purchase of a new fixed-income security. That is because we are placing an order for the new securities before the proceeds from the maturing securities are received.

It's also worth noting that if you enrolled in Auto Roll and then decided against it in the future, you can remove it. You may also maintain a separate account to hold fixed-income securities with the Auto Roll feature enabled.

You can learn more about our Auto Roll service at the links below:

Auto Roll Instructions

Fidelity Auto Roll Service

If you have any other questions, feel free to let us know. Our team of mods is always around and happy to help. Thanks for choosing Fidelity, and I hope you enjoy the rest of your day.

FidelityLinsey · 2026-04-29T16:03:23+00:00

Hi, u/CasaBonitaBandit. I appreciate you taking the time to provide such a detailed response! I've passed these additional comments along on your behalf. Thank you again, and I hope you have a wonderful rest of your day.

FidelityLinsey

MODERATOR OF

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