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Age Based Strategy (529)
The Age-Based Strategy features investment portfolios that correspond to a beneficiary’s date of birth. The target allocation of the Age-Based Portfolios change over time, becoming more conservative as the child approaches college age.
As part of the Age-Based Investment methodology, you have the option of choosing Age-Based Portfolio that invest in actively-managed funds or index funds. Actively-managed funds invest in a variety of stocks and bonds or money market funds that coincide with a fund’s investment objective. The investment philosophy may result in active trading, and therefore, have greater volatility and expenses but possibly better returns.
Index mutual funds invest in stocks or bonds that are included in a specific Index (such as Standard & Poor's 500 Index). Since the investment objective of an index fund is to achieve investment results similar to that of a specific Index, and Index fund neither engages in active trading nor assumes risk exposure greater than the index, which tends to result in lower expenses and volatility but possibly lower returns.
Arizona (529)
The Fidelity Arizona College Savings Plan (Arizona Plan) is a 529 college savings plan sponsored by the Arizona Commission for Postsecondary Education and managed by Fidelity Investments.
The Arizona Plan is open to residents of any state and proceeds can be used at most accredited colleges and universities nationwide and at eligible foreign institutions. The Arizona Plan is intended for individuals of all income levels and investment styles with higher education goals for their children, grandchildren, or other loved ones.
Any earnings in a 529 account grow tax deferred and are not subject to federal income tax when money is withdrawn for qualified higher education expenses. Such expenses include tuition, fees, room and board, books, and supplies. Invest up to $318,000 in the Arizona Plan account1 or get started for as little as $15 a month using an automatic investment plan.2
Arizona Plan Daily Unit Values & Performance
1The Plan's maximum contribution limit is $318,000 for the 2008 account year.
2Automatic investment plans do not assure a profit or protect against losses in a declining market.
Bank Account Number
This number is shown on the bottom of a check from your account and on your bank account statements.
Bank Routing Number
The unique transit routing number that identifies a specific bank or institution. This is also sometimes referred to as the ABA number.
The transit routing number is used to wire mutual fund redemptions to a bank account.
You specify a bank routing number when adding the Bank Wire feature or Electronic Funds Transfer service to an account.
Beneficiary (529)
The Beneficiary can be your child, grandchild, spouse, another relative, someone not related to you, or even yourself. The Beneficiary may be of any age and must be a U.S. citizen or a resident alien.
BrokerageLink
This is a Fidelity NetBenefits® account
investment option that is available through some employers' plans.
The availability of Fidelity NetBenefits and the options and services available to you depend on the specific features of your employer's plan.
If your NetBenefits account has the BrokerageLink investment option and you use it, a linked brokerage account maintained with Fidelity Brokerage Services LLC is funded with money from your NetBenefits account. From this linked brokerage account, you can buy a variety of securities (e.g., stocks, bonds, mutual funds) depending on the type of plan and the plan provisions.
The BrokerageLink value that is displayed on the NetBenefits Account Balances screen is the market value of the linked brokerage account as of the date displayed.
Note:On the Portfolio screen, a BrokerageLink account is listed separately from a NetBenefits account with which it is linked and is displayed as a non-prototype (NONP) brokerage account.
California (529)
The ScholarShare College Savings Plan ("California Plan") is a 529 college savings plan sponsored by the ScholarShare Investment Board and managed by Fidelity Investments.
The ScholarShare Plan is open to residents of any state and proceeds can be used at most accredited colleges and universities nationwide and at eligible foreign institutions. The ScholarShare Plan is intended for individuals of all income levels and investment styles with higher education goals for their children, grandchildren, or other loved ones.
Any earnings in a 529 account grow tax deferred and are not subject to federal income tax when money is withdrawn for qualified higher education expenses. Such expenses include tuition, fees, room and board, books, and supplies. Invest up to $320,000 in the ScholarShare Plan account1 or get started for as little as $15 a month using an automatic investment plan.2
ScholarShare Plan Daily Unit Values & Performance
1The Plan's maximum contribution limit is $320,000 for 2008.
2Automatic investment plans do not assure a profit or protect against losses in a declining market.
Certificate of Deposit
Request a transfer of a CD only when the maturity date is between 30 days and 60 days of maturity. Please be aware if your CD has a maturity date beyond 60 days, your current custodian may reject the transfer at this time. If the CD matures in less than 3 weeks, please call 800-544-8666 for instructions. For the dollar amount or percentage charged for a certificate deposit penalty, please contact the firm currently holding the CD. The delivering institution may charge a fee for liquidating your CD prior to maturity.
Checking Account Number
This is a bank checking account you want to use with the Electronic Funds Transfer service. After the Electronic Funds Transfer service is established, you will be able to transfer between the specified bank checking account and your Fidelity account.
This number is shown on the bottom of a check from your account and on your bank account statements.
Compare "Actively Managed" vs. "Index"
Actively-managed funds invest in a variety of stocks and bonds or money market funds that coincide with a fund’s investment objective. The investment philosophy may result in active trading, and therefore, have greater volatility and expenses but possibly better returns.
Index mutual funds invest in stocks or bonds that are included in a specific Index (such as Standard & Poor's 500 Index). Since the investment objective of an index fund is to achieve investment results similar to that of a specific Index, and Index fund neither engages in active trading nor assumes risk exposure greater than the index, which tends to result in lower expenses and volatility but possibly lower returns.
Contingent Beneficiary
Also known as secondary beneficiary, the individual(s) or entities entitled to receive the account owner’s assets if there are no primary beneficiaries living at the time of the death. If you do not designate contingent beneficiaries and all of your primary beneficiaries predecease you, your assets will go to the default beneficiary under your plan. For example, on a Fidelity IRA this generally is your spouse, or if you do not have a spouse at the time of your death, then to your estate (see Rules of Succession Apply). Designated percentages for contingent beneficiaries can include decimals to two places, and must total 100%.
Control Person at a Publicly-Held Company
A Control Person is any person who can exert direct influence on the actions of a company, including 10% shareholders, policy-making executives, and members of the Board of Directors.
Core Position
Your Fidelity account includes a core position that is used for account transactions. Think of your core position as a parking spot for your money before you invest it or move it out of your account. All deposits, withdrawals, and investment transactions are processed through the core position, unless you have alternative investment instructions in place. The total in your core position will determine the amount available for investments, money transfers, or withdrawals.
For accounts with margin, any debits will be paid down through available money in the core position and margin credits will be added to the core position.
Custom Strategy (529)
The Custom Strategy provides you the flexibility to customize your own 529 asset allocation. You can create an investment mix from a range of static and individual fund portfolios that invest in actively-managed and index funds.
Delaware (529)
The Delaware College Investment Plan ("Delaware Plan") is a 529 college savings plan sponsored by the State of Delaware and managed by Fidelity Investments.
The Delaware Plan is open to residents of any state and proceeds can be used at most accredited colleges and universities nationwide and at eligible foreign institutions. The Delaware Plan is intended for individuals of all income levels and investment styles with higher education goals for their children, grandchildren, or other loved ones.
Any earnings in a 529 account grow tax deferred and are not subject to federal income tax when money is withdrawn for qualified higher education expenses. Such expenses include tuition, fees, room and board, books, and supplies. Invest up to to $320,000 in the Delaware Plan account1 or get started for as little as $15 a month using an automatic investment plan.2
Delaware Plan Daily Unit Values & Performance
1The Plan's maximum contribution limit is to $320,000 for 2008.
2Automatic investment plans do not assure a profit or protect against losses in declining market.
Driver's License Number
Enter your driver's license number and state of issue. This information is used to help validate your information and authenticate your identity.
Duplicate Account Mailings
If selected, in addition to the primary owner, this owner will receive confirmation of the new account profile, confirmation of changes to the investment objectives and the tri-annual investment profile confirmation sent to their mailing address.
Electronic Funds Transfer Service
A service for brokerage and mutual fund accounts including eligible
retirement and non-retirement accounts and also for College
Savings Plan accounts. This service is not available for Fidelity
NetBenefits® and BrokerageLink accounts.
The Electronic Funds Transfer service for non-retirement accounts:
The Electronic Funds Transfer service for College Savings Plan accounts allows you to transfer money from your bank account that is a deposit to your College Savings Plan account. The transferred money is used to buy additional units in a portfolio (e.g., Unique Portfolio 2015, DE Portfolio 2018) in the account.
Note that for College Savings Plan accounts you can only transfer from your bank account and to your College Savings Plan account.
The Electronic Funds Transfer service for Traditional IRAs and Roth IRAs:
Note: To request an online distribution from a Fidelity IRA, select Accounts and Trade >> Portfolio and choose Transfer Money/Shares from the Action Selector next to the desired IRA account.
Request a distribution from a Keogh account with a single withdrawal request form found on the Customer Service tab on Fidelity.com or call a Fidelity representative at 800-544-6666.
For information about or assistance with setting up or using Electronic Funds Transfer, call a Fidelity representative at 800-544-6666.
Eligible Beneficiaries/Accounts
Account eligibility depends in part upon account registration. For example, Self-Employed 401(k) / Keogh plans may require spousal consent if you are married, and so beneficiaries may not be able to be established online. In addition, any successor participants that you have designated on a 529 College Plan can only be applied to other 529 College Plans.
Note: You can edit the beneficiary information before submitting changes. For example, if you have multiple beneficiaries on an account, but you want to allocate different percentages, you can copy and then edit the share percentage assigned to each one.
E-Mail Address
By providing us your email address you will receive personalized Fidelity news and information, and at your request you can receive notifications of online statements, confirms, and when available, Fidelity mutual funds prospectuses and financial reports. You may withdraw your consent, change or verify your preferences or update your e-mail address at the Update Accounts/Features section of Fidelity.com.
Estimated Liquid Net Worth
Add up any cash or investment assets that you can convert to cash quickly and easily. Think along the lines of checking/savings account balances, money market fund shares, and U.S. Treasure bills.
Estimated Net Worth
Estimate the value of your bank accounts, investment accounts, and personal property (such as a paid off vehicle). Then, subtract your outstanding loans and credit card debts. Do not include your house or mortgage.
Fidelity Account Number
Use the following format for your type of account, Mutual Fund Accounts T123456789, Brokerage Account X12345678, or 123-456789. A 529 plan account will always begin with the number “6”.
Fidelity Electronic Funds Transfer
Fidelity Electronic Funds Transfer allows you to transfer money between your bank account and your brokerage core account. Electronic Funds Transfer moves money in two business days. This service is provided free-of-charge by Fidelity but your bank may charge a fee. For retirement accounts certain restrictions apply.
Fidelity NetBenefits®
A service provided on Fidelity.com through which you
can access information and complete certain actions for a
NetBenefits account record kept at
Fidelity (e.g., 403(b), 401(k), 457).
The availability of NetBenefits and the options and services available to you depend on the specific features of your employer's plan.
Fidelity NetBenefits® Account
An account you have in an employer-sponsored
retirement plan that has been set up through Fidelity.
For example, this could be an account you have in a 403(b), 401(k) or 457 NetBenefits plan.
Investment Strategy (529)
An Investment Strategy is how you decide to invest all initial and future contributions to this account. You must choose an investment strategy to establish an account. You may reallocate your contributions and earnings among Portfolios once every calendar year and upon the change in the designated Beneficiary of the accounts. Also, you may change your investment strategy for future contributions at any time.
Legal Heirs
The Legal Heir option for an individual beneficiary allows you to determine how the percentage of share assigned to that individual is divided if s/he does not survive you. See also, Rules of Succession. When you select Per Stirpes you specify that the share designated to that individual is passed to his/her children, in equal portions, if the individual dies before you do. If you do not select the Per Stirpes option, then the percentage that you have designated to a beneficiary who does not survive you is split equally among other named primary or contingent beneficiaries as applicable.”
Liquidate
Liquidate refers to selling securities and transferring the cash proceeds to your account.
Margin
The ability to borrow from Fidelity against securities you hold in your account in order to purchase other securities, cover checks written against the account, etc. Fidelity does not allow the margin feature on UGMA/UTMA, estate, or certain non-trust fiduciary accounts. Margin trading involves additional risks and is not suitable for all investors.
Maximum Contributions
The IRA contribution limit is the lesser of 100% of compensation or as follows. The dollar limit after 2008 will be indexed for inflation in $500 increments.
| Year | Annual Contribution Limit |
| 2005-2007 | $4,000 |
| 2008 | $5,000 |
Catch-Up Contributions - Individuals who are 50 or older (by 12/31 of the calendar year for which the contribution is made) will be allowed to make catch-up contributions to IRAs, as follows:
| Year | Annual Catch-Up Contribution Limit |
| 2005 | $500 |
| 2006 and thereafter | $1,000 |
Please note that Fidelity will not increase your automatic investment amount as the contribution limits increase.
More Information
Fidelity takes its responsibility to protect our customers' information and accounts as seriously as we take investing, employing the very latest technology and security methods. Fidelity has partnered with an industry leader in identity authentication to provide you with a series of questions, based on a scan of public databases, that help us confirm your identity.
Options
Options are securities which give the owner the right to buy or sell a specific security—such as a stock—for a pre-set price and during a specific period of time. Fidelity grants differing levels of option trading, based in part on a customer's trading experience, investment objectives, and financial resources.
Owner's Descendants (All your Descendants)
For non-retirement accounts only, you may select the Owner's descendants option rather than specifying individual primary or contingent beneficiaries. If you select this option, in the event of your passing, your account assets are divided equally among your descendants.
Participant (529)
The Participant (the account owner) must be 18 years of age or older and a U.S. resident at the time the account is opened and when a contribution is made.
Primary Beneficiary
The individual(s) or entities entitled to receive the account owner's assets upon death. When you name two or more primary beneficiaries, all individuals share equally in your retirement account proceeds unless your designation specifies otherwise. If a primary beneficiary dies before you, your assets are divided among your surviving primary beneficiaries, if any. Designated percentages for all primary beneficiaries can include decimals to two places, and must total 100%.
Rules of Succession Apply
As described in the Custodial Agreement and Disclosure Statement for IRA and in the Custodial Agreement for HSA the rules of succession for IRA or HSA assets are:
SEP-IRA Maximum Contribution
The maximum annual contribution is the lesser of 25% of compensation or $45,000 for 2007 and $46,000 for 2008 per plan participant, including any applicable sales charges. The maximum contribution on which contributions can be based is $225,000 for 2007 and $230,000 for 2008. For self-employed individuals, compensation means earned income. The IRS requires that all brokerage commissions and sales charges must be deducted from your contribution amount and cannot be paid separately.
Social Security Number Applied For
Check this box if you have applied for a Social Security number for the minor but have not yet received the number. When you receive the minor's Social Security number, send it to Fidelity Investments, PO Box 770001, Cincinnati, OH 45277-0002 along with the account number.
Source of Income
Please provide a brief description of your current source of income - personal savings, annuity income, unemployment compensation, etc.
Affiliation with the Investment Industry
Answer "Yes" if you work for or you are affiliated with a stock exchange, broker/dealer or Financial Industry Regulatory Authority (FINRA). Answer "No" if you are a Fidelity Investments employee.
Successor Participant (529)
The Successor Participant is the person or Trust designated to assume ownership of this account in the event of the Participant's death. Note that for college savings plans, the beneficiary is the individual for whose benefit the account is established. The Successor Participant must be either a U.S. resident and at least 18 years of age or a Trust. If you name a trust as your Successor Participant, leave the middle and last name fields blank. A Successor Participant may be established or changed at any time.
Tax Bracket and Rates
2013 Federal Applicable Taxable Income Ranges (Based on Filing Status)
| Ordinary Income Tax Rates |
Single Individuals | Married Filing Joint Returns or Qualified Surviving Spouse | Married Filing Separate Returns | Head of Household |
| 10% | Up to $8,925 | Up to $17,850 | Up to $8,925 | Up to $12,750 |
| 15% | $8,926 - $36,250 | $17,851 - $72,500 | $8,926 - $36,250 | $12,751 - $48,600 |
| 25% | $36,251 - $87,850 | $72,501 - $146,400 | $36,251 - $73,200 | $48,601 - $125,450 |
| 28% | $87,851 - $183,250 | $146,401 - $223,050 | $73,201 - $111,525 | $125,451 - $203,150 |
| 33% | $183,251 - $398,350 | $223,051 - $398,350 | $111,526 - $199,175 | $203,151 - $398,350 |
| 35% | $398,351 - $400,000 | $398,351 - $450,000 | $199,176 - $225,000 | $398,351 - $425,000 |
| 39.6% | $400,001 or more | $450,001 or more | $225,001 or more | $425,001 or more |
The information provided by Fidelity Investments is general in nature and should not be considered legal or tax advice. Fidelity Investments does not provide legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation (including filing status).
Trust
A trust is a legal arrangement in which a trustee manages property for the benefit of the trust's beneficiaries. You must provide a valid tax id number and date of trust.
Type of Beneficiary
The types of beneficiaries are as follows:
U. Fund (529)
The U. Fund College Investing Plan is a 529 college savings plan offered by the Massachusetts Educational Financing Authority and managed by Fidelity Investments.
The U.Fund is open to residents of any state and proceeds can be used at most accredited colleges and universities nationwide and at eligible foreign institutions. The U.Fund is intended for individuals of all income levels and investment styles with higher education goals for their children, grandchildren, or other loved ones.
Any earnings in a 529 account grow tax deferred and are not subject to federal income tax when money is withdrawn for qualified higher education expenses. Such expenses include tuition, fees, room and board, books, and supplies. Invest up to $300,000 in a U.Fund account1 or get started for as little as $15 a month using an automatic investment plan.2
U.Fund Plan Daily Unit Values & Performance
1The Plan's maximum contribution limit is $300,000 for 2008.
2Automatic investment plans do not assure a profit or protect against losses in declining market.
UGMA/UTMA Statute State
Under the Uniform Transfers to Minors Act (UTMA), the state of residence of the transferor, custodian or minor at the time of transfer or the state where the custodial property is located are state options. States selected could have a substantive impact on when the minor is legally entitled to the account. Consult your attorney regarding to your particular situation.
UNIQUE (529)
The UNIQUE College Investing Plan is a 529 college savings plan offered by the State of New Hampshire and managed by Fidelity Investments.
The UNIQUE Plan is open to residents of any state and proceeds can be used at most accredited colleges and universities nationwide and at eligible foreign institutions. The UNIQUE Plan is intended for individuals of all income levels and investment styles with higher education goals for their children, grandchildren, or other loved ones.
Any earnings in a 529 account grow tax deferred and are not subject to federal income tax when money is withdrawn for qualified higher education expenses. Such expenses include tuition, fees, room and board, books, and supplies. Invest up to $318,000 in a UNIQUE Plan account1 or get started for as little as $15 a month using an automatic investment plan.2
UNIQUE Plan Daily Unit Values & Performance
1The Plan's maximum contribution limit is $318,000 for 2008.
2Automatic investment plans do not assure a profit or protect against losses in declining market.
Update Name or Date of Birth
To update your name or date of birth, you need to choose the Update Accounts/Features link from the Accounts and Trade tab, which is the area of our web site that allows customers to update information on certain accounts (excluding, for example 401(k) accounts) you own.
Update Social Security Number
To change your Social Security number, you must complete a W-9 Substitute Form. To access the form, select Update Account/Features under the Accounts and Trade tab. In the list to the left, click on SSN/TIN certification and select the appropriate W-9 form.
You will need to print this form, complete and sign it, and mail it to Fidelity for the change to take effect.
Why do we ask for this information
We may use the information you submit to notify you about products and services that you may find useful.
Please note that the e-mail address you provide below will be your primary e-mail address for all Fidelity accounts with the exception of Fidelity NetBenefits and Fidelity annuity accounts which are not affected.