Transfer Your Assets-Investments to Fidelity Processing time for transfer of assets (TOA) depends on your current firm's rules and the type of accounts and investments you're transferring. Typically, TOAs take between 3–5 business days to process.2

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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Transfer an account to Fidelity

We make it easy to transfer all or part of an account to Fidelity—including stocks, bonds, mutual funds, and other security types—without needing to sell your holdings.1 or

Is an account transfer right for you

Yes if you want to transfer

All or part of an investment account, including specific investments in-kind

Retirement or health savings accounts, like IRAs and HSAs

Liquidated annuities, CDs, or holdings from an investment account

No if you want to transfer

Cash from a checking or savings account
Instead, start an by linking your bank.

A workplace savings account
Instead, use our designated .

How it works

     

To start an online transfer you ll need

A statement from your current firm to reference Your current firm's name and account details Additional ownership information, if multiple account owners Details on individual investments you're transferring Note: In some cases, your current firm may require you to mail in a signed transfer form. If so, we'll conveniently prefill a PDF for you to simply print, sign, and mail.

It depends on the specifics of your transfer. As part of Fidelity's online transfer process, we'll determine if your current firm accepts an electronic request to release your assets to us. If your firm does not, we'll provide a prefilled Transfer assets to Fidelity form that you can quickly print, sign, and mail to Fidelity. As part of our online transfer process, we'll help open new account types that you may need. In some cases, your current firm may require all owners on both the account you are transferring as well as the Fidelity account receiving the assets to sign the Transfer assets to Fidelity form. This depends on the specific kinds of investments you hold. Some mutual funds may need to be sold and transferred over as cash. Most stocks will transfer over in-kind, but if you own stocks trading at less than $1.00 a share, these securities may need to be sold as well and transferred over as cash. The exact time frame depends on the type of transfer and your current firm. If your current firm accepts electronic requests, the transfer will take approximately 5 days to process. Transfer requests that must be mailed to your current firm may take 2 to 4 weeks to complete. You should receive an email notification when your assets are in your Fidelity account. Once the assets are here, you'll have full access to your cash and securities. You can track the progress of your transfer online at any time with our . In most cases, if you're moving a retirement account to a Fidelity retirement account of the same type, you likely won't incur taxes. We don't charge a fee to move assets from another institution; however, your current firm may charge to transfer your assets to us. If you've experienced a major life event, like marriage, divorce, or the loss of a loved one, you may be asked to provide additional documentation as part of the transfer process. The table below shows the paperwork you'll need if the name information registered on your current external accounts differs from what you have at Fidelity. If your accounts: You'll need to provide: Have different last names Marriage certificate or divorce decree Have different first or middle names If you are transferring assets after the loss of a loved one, our can walk you through any additional steps you may need to take. If you have an existing HSA at another firm, you are eligible to open a Fidelity HSA and transfer your existing account to Fidelity at any time. When transferring an HSA, it's important to note that your existing HSA may be in 2 separate types of accounts: A bank account holding your cash balance A brokerage account holding your investments Both account types are eligible to be transferred, however, a separate transfer request may be required for each one. Your current HSA provider can help you determine the right process and discuss your options. Note: Some financial institutions don't allow in-kind transfers of investments held in an HSA. Currently, online transfers are not offered for ABLE or 529 accounts. Please download and complete the or to proceed. To add margin trading to your account, you'll need to complete and submit our . To be approved for options trading, you'll need to complete and submit a separate . If you're seeking Tiers 2—3 options trading, you'll need to submit both a margin and options agreement. Keep in mind: Until Fidelity has the appropriate, completed agreement on file, we cannot accept transfers of margin or option positions from another firm. For most transfers, your current firm will send the assets to Fidelity all at once. However, if your transfer includes assets that must be sold first or if you have pending activity, your current firm may send those assets once they are settled. In instances like that, your assets will be transferred to Fidelity in batches and you may see a balance with your current firm until the transaction is completed. Please wait while Fidelity's Virtual Assistant loads.

Ready to get started

* Fidelity's Virtual Assistant uses advanced technology and artificial intelligence to help with frequently asked questions and to enhance your digital experience. It is designed to be both anticipatory and responsive based on your search terms, information you enter in reply to the Virtual Assistant's questions, and your account and other information on file with Fidelity. Fidelity does not guarantee accuracy of the Virtual Assistant's responses or alignment of its suggestions with your intended purpose. The Virtual Assistant does not recommend the purchase or sale of specific securities or digital assets. While it may offer educational information, it does not have the capability to discern what investment choices would be suitable for your personal situation. Do not attempt to place trade orders through the Virtual Assistant; it can provide you with guidance as to how to place a trade at Fidelity, but the Virtual Assistant cannot execute trades on your behalf. Any personal, account or other information you provide to the Virtual Assistant, as well as all search information entered, may be retained, accessible to Fidelity personnel, and used and shared consistent with Fidelity's Privacy Policy. Notwithstanding, you should not provide the Virtual Assistant with credit or debit card information or protected health information. 1. There are some security types that Fidelity is unable to hold. If that's the case, you will need to liquidate those assets in order to move them to Fidelity. 2. Your transfer could be completed in as little as one week. In some cases, it may take longer, but you can track your progress along the way. Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read . Supporting documentation for any claims, if applicable, will be furnished upon request. 638280.21.0

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Important Information Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided. Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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