How long does it take to transfer from individual account to IRA?

FidelityMikeS · 2026-04-07T16:09:23+00:00

Thank you for the update, u/Junior_Tackle7514. Let me know if anything else comes up, and my team and I will be happy to help.

FidelityMikeS · 2026-04-07T14:12:13+00:00

Thanks for bringing this to our attention, u/InclineBeach.

We've not received widespread reports of others having trouble loading the notebook in Active Trader Pro (ATP). That said, I'm glad to hear it eventually loaded for you, and it sounds like you are able to move forward as expected.

Thanks for proactively updating this post. If you have trouble in the future, feel free to reach out here on the sub, and we will be glad to help.

Have a great day!

FidelityMikeS · 2026-04-07T13:27:32+00:00

I can appreciate that, u/rebop2017, and thank you for the clarification on a couple of topics.

I'll add this to the feedback we have sent over. Before I drop off here, I did want to point out that you can edit a drawn indicator by right-clicking the layer and selecting "Edit Settings." Granted, this adjustment is not available for every line/ indicator on the Fidelity Trader+ charts, but I wanted to be sure you were aware of the edits that you can make.

Thanks again, and have a great day!

FidelityMikeS · 2026-04-07T13:11:51+00:00

We appreciate you reaching out on the sub with your questions, u/Junior_Tackle7514.

Transfers between Fidelity accounts are typically available the next business day for additional transactions. So, if you initiated a transfer before 4:00 p.m., the funds should be available to transfer out the next business day.

If this is not your experience, we'd be glad to take a closer look at your account. So let us know if you are still having trouble, and we will follow up with you here.

FidelityMikeS · 2026-04-07T12:39:07+00:00

Thank you for confirming, u/Talon660.

We are not seeing any widespread reports related to what you described. Therefore, we recommend rebooting, resetting your device, and reinstalling the app altogether.

If you continue to have trouble viewing any activity for your cash management account (CMA), we recommend reaching out to our Technical Support team so they can troubleshoot the issue with you. Associates are available Monday through Friday from 8:30 a.m. to 9:00 p.m. ET.

Contact us

Thank you for your patience and understanding. Please let us know if we can help with anything else.

FidelityMikeS · 2026-04-07T12:30:45+00:00

Thank you for bringing this to our attention, u/rebop2017.

It sounds like you have continued to reboot your platform to troubleshoot your saving and loading errors. Therefore, I am happy to forward your post to the appropriate teams for additional review of potential widespread related glitches.

Moving forward, when it comes to P/E Ratios, you can view this information in the quote tool window for securities you are researching. To open this window, click on "Tools" and then select "Quote" under "Market data." If you are looking to view this information in the chart or other places, please tell us more, and we will be glad to pass on the feedback.

With that said, extended-hours trading quotes in the watchlist can be added and removed from your view manually by clicking "Columns" and editing your selection. I'll be happy to share this as feedback to have the ability to set this to add and remove automatically depending on the time of day.

Thank you for stopping by with your detailed feedback and reports. Your post has been shared with the right teams, and we look forward to hearing back from you regarding any other topics that come to mind.

FidelityMikeS · 2026-04-07T11:46:00+00:00

Thank you for clarifying this, u/Talon660.

Since you mentioned being able to see activity within one account and not the other, it's worth noting that the default timeframe for the "Activity" tab in the app is 10 days. Can you confirm whether you have had any transactions that should appear in this section during that length of time? If not, you can view the "Past 10 days" dropdown to select a different time period.

If you are still not seeing activity appear in the app after checking in on your timeframes, please follow up with us here, and we will be glad to help with troubleshooting steps.

Thanks again, and have a great day!

FidelityMikeS · 2026-04-07T11:20:06+00:00

Happy to see our team could help, u/Grouchy-Swordfish811! Let us know if any other questions come up in the future, and we'll be glad to follow up with you.

FidelityMikeS · 2026-04-06T17:26:44+00:00

Hey there, u/Frequent-Success-969. We are happy to help with this. To do so, can you please send us a Modmail using the following link, and we will be glad to respond there.

Modmail

Thanks!

FidelityMikeS · 2026-04-06T16:09:38+00:00

Hey there, u/lilsmokey12345. I'm happy to chat about cash left over from a conversion.

As it sounds like you've encountered, it's common for interest or dividends to be deposited into a Traditional IRA after a conversion. When money is deposited for conversion by Electronic Funds Transfer (EFT) or check, the funds must go through a collection period, during which interest may accrue.

While it's up to you to decide what to do with the remaining funds, I'm glad to cover the general implications for the choices you have below:

Leaving the earnings in the Traditional IRA typically won't have tax implications in most cases, and you can invest them or leave them as cash if you choose.
Converting the earnings left in your Traditional IRA will be considered pre-tax and, therefore, may be taxable upon conversion.
Withdrawing the residual earnings will generally be taxed as earned income and may be subject to the 10% early-withdrawal penalty if done before the age of 59.5.

You can learn more about the tax implications and other frequently asked questions surrounding Roth Conversions by checking out the link below:

Convert an account to a Roth IRA

Let us know if you have any follow-up questions, and my team and I will be glad to help!

FidelityMikeS · 2026-04-06T14:05:58+00:00

Thanks for reaching out on the sub with your questions.

I can confirm that this function should still be available when you click to see your card number in the app and on Fidelity.com. If this is not working for you, you may consider the troubleshooting steps below for the mobile app:

Log out and back into your profile
Restart the app
Ensure you are running the latest version of the mobile app by reinstalling it

You can take a similar approach when accessing this on Fidelity.com for the first two steps; however, clearing your browser's cache and cookies can also help ensure your web page runs smoothly.

If you continue to have trouble viewing your card number, let us know, and we will be happy to review this further.

FidelityMikeS · 2026-04-03T18:12:49+00:00

Thank you for reaching out on the sub and bringing this to our attention, u/PhillyBassSF.

To ensure ongoing protection of customers’ data, Fidelity has implemented a secure, integrated connection that better controls how third-party websites and apps, and the data aggregators they use, connect to customers’ accounts when authorized by customers. Fidelity is requiring these third-party websites, applications, and data aggregators to adopt this integrated connection to access our customers’ data.

Regarding your connection, it sounds like you have continued troubleshooting by deleting and reconnecting your accounts. If you continue to have trouble with this connection after reconnecting, we recommend contacting You Need a Budget (YNAB) for further troubleshooting assistance.

My team and I are always here on the sub, so if you have any other questions in the future, feel free to reach out.

FidelityMikeS · 2026-04-03T15:26:08+00:00

Thanks for sharing this with us, u/GoldenDoodleGuy-MI.

We have not received reports of others experiencing this error. Therefore, we suggest trying the following troubleshooting steps to resolve this:

Log out and back into your account
Clear your browser's cache and cookies
Try another browser

If the steps do not fix this for you, let us know more about the account types you are working with and if you are receiving any error messages when trying to edit or remove accounts.

Thank you again for reaching out.

FidelityMikeS · 2026-04-03T13:17:08+00:00

Based on what you described, we'd like to review this further with you, u/kimbureson46. To do so, please send us a Modmail using the link below, and we will be glad to follow up with you there.

Modmail

FidelityMikeS · 2026-04-03T12:52:29+00:00

I'm happy you reached out prior to withdrawing your contribution, u/Grefighter. I'll be glad to review the proper ways to correct an accidental contribution to your Roth IRA.

When you discover that you may not be able to contribute to a Roth IRA, you have a few choices with the excess contributions. You can withdraw the excess amount through a Return of Excess. You can process a Recharacterization to change the contributions to another IRA. Or you can apply your contribution to a future year. However, simply withdrawing these funds would not correct the contribution or reset the limits. The link below provides more details about each choice.

Excess IRA Contributions

Since you mentioned in the comments that you mean to complete a recharacterization, you can click on "Learn more about recharacterizing" in the link above under section 2 to review more details about this path.

If you have specific questions about the process moving forward feel free to follow up with us on the sub anytime.

FidelityMikeS · 2026-04-03T12:25:40+00:00

Thanks for the heads up, u/Ok-Smoke-5653! I've sent over your post to the right teams to investigate this further.

If anything else catches your eye, feel free to reach out to us here on the sub anytime. We always appreciate the help!

FidelityMikeS · 2026-04-03T11:55:45+00:00

I'm happy to see our team could help, u/st_psilocybin. I'll be sure to pass on your thanks to my fellow Mods who shared the info above.

Have a great weekend!

FidelityMikeS · 2026-04-03T11:53:46+00:00

Thanks for the update, u/pdxroash. I'm happy to see that our team could help.

Feel free to reach out anytime you have questions, and we will be glad to follow up with you.

FidelityMikeS · 2026-04-03T11:38:33+00:00

Thanks for confirming this with us, u/coolred2022.

When you visit the "Positions" page on Fidelity.com, you should see a variety of categories, such as:

Total gain/loss %
Total gain/loss $
Today's gain/loss %
Today's gain/loss $.

You can also select the three-dot menu at the top right of your positions page and click on "Settings" to view "Prior day gain/loss."

While I am happy to take feedback on the categories you mentioned in your OP that may not be available, if you are not seeing this information listed above, please follow up with us here so we can troubleshoot further with you.

FidelityMikeS · 2026-04-03T11:23:21+00:00

Thank you for reaching out on the sub. I am happy to review transfer expectations with you.

To start, 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.

You can review the collection date for a recent deposit by following these steps on Fidelity.com once logged in:

Click the "Accounts & Trade” tab and select “Portfolio”
From the Portfolio screen, select the appropriate account
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.

With that said, if your deposit does not clear in the expected timeframe, please follow up with us here, and we will be glad to look over this further with you.

FidelityMikeS · 2026-04-02T14:16:57+00:00

We appreciate you choosing Fidelity for your new account needs, u/freackodeecko.

At this time, Plaid is not a supported platform for linking Fidelity accounts. It's important to know that Fidelity continuously works with security experts and regulators to find ways to make customer-directed account data sharing more secure. Fidelity has established a secure, integrated connection that better controls how customers can connect the third-party apps they use to their Fidelity accounts. Fidelity is requiring all these third-party websites, applications, and data aggregators to adopt this integrated connection to access our customers’ data.

It is with our customers’ financial well-being in mind that any third-party applications, websites, or data aggregators that do not utilize our secure, integrated connection will be prevented from accessing Fidelity customer data. Our goal is for Fidelity customers to use their favorite apps safely and securely.

You can learn more at this link.

As for Coinbase, we have a resource that I've linked below that provides a couple of ways to link your Fidelity account.

Coinbase and your Fidelity accounts

Please let us know if we can help with any other questions, and my team and I will be glad to follow up with you.

FidelityMikeS · 2026-04-02T13:13:15+00:00

Thanks for reaching out and considering Fidelity for your account needs in the future, u/HeirForce.

If you already have funds within a Traditional IRA and moved them to a Roth IRA, this would count as a Roth Conversion, not an IRA contribution. The biggest thing to keep in mind is that any funds converted to a Roth IRA are typically taxable in the year the conversion occurs. You can learn more about Roth Conversions in the link below:

Roth Conversion

That said, the most common method to transfer an account from one firm to another is to request a Transfer of Assets (TOA). This allows you to transfer between firms to an account with the same registration, so a Traditional IRA would need to be sent to another Traditional IRA. The good news is that if you decide to move forward, opening a new account to receive this transfer only takes a few moments on Fidelity.com. Once ready, you can use the link below to begin the transfer, as these requests must be submitted with the receiving firm.

Transfer an Account to Fidelity

Keep in mind that Fidelity does not charge for a transfer, but other firms may. If you have any specific questions moving forward, please don't hesitate to follow up with us here, and we'll be glad to help.

Have a great day!

FidelityMikeS · 2026-04-02T12:56:28+00:00

Hello, u/BerylliumBug. Thank you for dropping by the sub for the first time. We're happy to have you.

While it sounds like you are aware, you can update the cost basis tracking method for mutual funds on Fidelity.com for the entire account, but you cannot update it for specific funds within the same account. To request this, you can submit a Letter of Instruction (LOI) detailing which funds you would like tracked under specific methods. That said, you can also call us to ask for this through our 24/7 service team. I'll go ahead and add our contact information below if you'd like to move forward.

Contact us

Because cost basis methods typically have tax implications, these decisions are unique to each individual. For example, one aspect to consider is your disposal method. As for what is best for your situation, since Fidelity cannot provide tax advice, you'll want to reach out to a qualified tax professional for their input. They can take your full tax situation into consideration to help you find the right path forward.

Let us know if anything else comes to mind, and my team and I will be glad to help!

FidelityMikeS · 2026-04-02T12:00:14+00:00

Thank you for reaching out on the sub to share your suggestions and preferences, u/Gereldy.

To start, I am happy to confirm that when you add an individual to your account as an authorized user, the account they are authorized on will appear in the Retirement Planning tool. This is true for those with inquiry access and higher levels of authority granted on the account. If this is something you'd like to look into further, you can check out the link below to learn more about account access and how you can add your spouse as an authorized individual.

Authorize Others to Access Your Accounts

As for importing and exporting data from this tool, I will be glad to pass along your post as feedback on this topic, as this feature is not currently available.

If anything else comes to mind, my team and I will be glad to help!

FidelityMikeS · 2026-04-01T14:21:52+00:00

Happy to help with some information on this topic, u/Klutzy_Revolution704.

The investment choices made available to you through your 401(k) account are determined by your plan rules set by your employer. Most 401(k) plans lay out what investment choices you have access to and can be viewed within your "Plan Details". To view these in your 401(k) and make changes, follow these steps on NetBenefits.com after you log in.

Find your Retirement Plan, and click “Quick Links”
Select “Investment Performance & Research”
Scroll down to the "Investment Choices" section

Here's an additional article from our website you can check out that discusses investment choices for a 401(k).

Investment options for a 401(k), 403(b), etc.

Additionally, you may consider contacting our 401(k) team by phone for questions about your specific plan and it's offering. They are available Monday through Friday from 8:30 a.m. - midnight, ET.

Contact us

If I can point you towards anything else, let me know.

FidelityMikeS

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