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OUR STRAIGHTFORWARD AND TRANSPARENT OFFERINGS

Value Tools & Guidance Service
 
Value

  Fidelity TD Ameritrade Schwab Vanguard ZERO expense ratio index funds† Yes No
No No Lowest published margin rates‡ 4.00% 7.50% 6.575% 4.75% In-depth research
from 20+ independent providersOpens in a new window Yes No No No


 

Tools & Guidance

  Fidelity TD Ameritrade Schwab Merrill Vanguard See how you're tracking against
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management services tailored to your individual goals

Service

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‡

Margin Rates: Effective since 3/18/2020, Fidelity 4.00% for balances over
$1,000,000. Effective since 3/23/2020, Schwab 6.575% for debit balances of
$250,000 to $499,999.99. Call Schwab for rates on debit balances above
$499,999.99, as its rates are not published for anything above this amount.
Effective since 3/16/2020, E*Trade 5.45% for debit balances over $1,000,000;
Effective since 3/20/2020, TD Ameritrade 7.50% for debit balances of $250,000 to
$499,999.99. Call TD Ameritrade for rates on debit balances above $499,999.99,
as its rates are not published for anything above this amount. Fidelity's
current base margin rate is 7.075%.

†

Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity
ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund
(FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to
individual retail investors who purchase their shares through a Fidelity
brokerage account.

Zero account fees and minimums are available for retail brokerage accounts only.
Expenses charged by investments, (e.g., funds and managed accounts, and certain
HSAs) and commissions, interest charges, or other expenses for transactions may
still apply. All Fidelity funds that previously required investment minimums of
$10k or less, and in stock and bond index fund classes that previously had
minimums of $100 million or less, now have zero minimums. See the fund's
prospectus and Fidelity.com/commissions for further details.

IMPORTANT: The projections or other information generated by Fidelity Retirement
Score regarding the likelihood of various investment outcomes are hypothetical
in nature, do not reflect actual investment results, and are not guarantees of
future results. Results may vary with each use and over time.


Fidelity® Personalized Planning & Advice provides non-discretionary financial
planning and discretionary investment management for a fee. Advisory services
offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered
investment adviser. Discretionary portfolio management services provided by
Strategic Advisers LLC (Strategic Advisers), a registered investment adviser.
Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and
custodial and related services provided by National Financial Services LLC
(NFS), each a member NYSE and SIPC. FPWA, Strategic Advisers, FBS and NFS are
Fidelity Investments companies.



International and Domestic Mail Delays. Due to the COVID-19 Pandemic, postal
operators have temporarily suspended mail service to certain international
jurisdictions. Fidelity mailings to customers living in these jurisdictions will
be delayed. To help avoid potential mail delays, customers can consent to
electronic delivery or access these documents onlineLog In Required . Click here
for additional details. As of August 24, 2020, the United States Postal Service
is unable to deliver mail to the following countries (PDF) . A current listing
of mail delivery suspensions to international jurisdictions is available
hereOpens in a new window .

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Before investing, consider the investment objectives, risks, charges, and
expenses of the mutual fund, exchange-traded fund, 529 plan, Attainable Savings
Plan, or annuity and its investment options. Contact Fidelity for a prospectus,
offering circular, Fact Kit, disclosure document, or, if available, a summary
prospectus containing this information. Read it carefully.

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Smithfield, RI 02917

782377.78.0
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