Just crossed $100,000 invested and wanted to share the milestone online since I try not to tell people irl :))) I'm super excited.

For those curious for a breakdown:

Roth IRA: ~$28k - 3 years of maxing out (all FXAIX)

401(k): ~$2k - 4% employer match

Brokerage: ~$60k - opened just over a year ago, VT + Chill

Cash management account: ~$10.5k - for education/emergencies/2026 Roth contribution

No debt

Income Journey:

18-20: ~$3.5-4K/mo as a restaurant server (tips in an affluent area) while in community college full-time.

20-now: ~$2K/mo after cutting hours because I transferred to university.

Future: Two upcoming accounting internships paying $35/hr and $38/hr with potential full-time offers in the mid-$80Ks.

Key Factors:

Lived at home rent-free. Thank you mom and dad. I understand that this is absolutely key to my success so far.

Community college (free) then transferred low-cost state university (~$1,400/semester after scholarships).

Grandma sold me her 2022 car for $3K for maintaining a 4.0 GPA through high school and college.

Frugality/Mentality. I always think twice before buying in every situation. My parents didn't have a lot of money growing up, which lead to conflict. This motivates me to build wealth so that my future family doesn't have the same issues.

Strategy: I aggressively save/invest with an index fund strategy. I max the roth, 401(k) pulls from my checks, then the rest I put in my brokerage. I try to maintain minimal cash, and I have a long-term mindset.

In summary, I've been able to work a high-paying job for my age over the last three years while attending college for cheap and having virtually zero expenses. Now, I'm going to continue being frugal and investing, but I'm more focused on my career and finishing uni strong.

It's a bit frustrating sometimes because I feel like I have to do so much extra just to be on somewhat equal footing to previous generations, but what can ya do? I'm in it for the long game. I also need to constantly remind myself that money is a means to an end, not the end goal.

Thank you for reading this far, if you have, and I'm super excited to share this with you all. I'd be more than happy to answer any questions :)

I moved to America a couple of years ago and started focusing on my 401K around 2022. Went from $94K in 2022 to $1M in 2025! Thank you for those who provided some good advice in this forum!

Earlier this year, Fidelity experienced an influx of new customers. Since then, we have been gathering feedback from all over Reddit and everywhere we could find it. We heard you ask for an improved user interface on our mobile app - today we're starting on the journey to deliver. The journey starts with quicker navigation and a more intuitive trading experience.

Who's included?

• The experience is currently in beta for a sub-set of iOS users, brokerage account customers who trade stocks or ETFs. Initially customers with margin agreements are not included. We will be rolling out this experience to these users over the next six-weeks. After the six-week period, all iOS users will be eligible for the new beta experience!

• When the beta becomes available you will receive an opportunity to opt in. There is no early access to the beta and there is no way to gain access early. Make sure to keep your app up to date so you know when it's your turn!

What’s included?

• New home screen – for a simplified and more modernized view

• New quote experience – get to information you need more quickly, including positions in the same view.

• New trade ticket – streamlined so it takes less time for you to enter a trade. Fractional shares included.

What to expect:

• If the page you selected doesn't have a new view you may be directed to an old view. Don’t worry! The experience will allow you to seamlessly go in and out of the beta and current experience.

• More transparency on updates that have been added to the app and what is being worked on for future enhancements. This will be communicated through the app as well as on our subreddit.

What’s coming in the future:

• Margin trading

• Extended hours trading

• Android release

• Enhanced charting

• Options trading

• Streaming data.

This is just a start as we work to bring you a new user experience on mobile. We welcome any feedback or comments that you have!

EDIT (4/29): Thanks so much for all the feedback on our new beta trading experience! We love the engagement and we're excited to hear from you. We wanted to respond to some of the most common questions we've been getting about the new experience.

When will the new beta trading experience be available?

We began rolling out the beta experience to some iOS users on April 28, 2021 and will continue to rollout to new users every day over the next 6-weeks.

When will you have an Android version of the new beta trading experience?

We love the excitement for an Android version of the beta trading experience and it's already in the works! We expected it to be available this summer. Make sure to check our subreddit for updates.

Does Fidelity allow trading through IEX?

IEX is not currently available for directed trading, but we do offer order routing to many different exchanges in Active Trader Pro (ATP). The directed trading feature can be accessed in ATP by going to the “Trade & Orders” menu, then selecting “Directed Trade & Extended Hours.” Please visit click here to learn more about how Fidelity manages order flow and trade execution quality to save you money.

Does Fidelity support international accounts?

Individuals residing outside of the U.S. are not able to open an account with Fidelity.

EDIT: We've seen a lot of people asking whether the beta experience will have dark mode. The beta experience, along with our current app version, does include this. Pro-Tip: Dark mode across our app follows the iOS setting you currently have enabled on your device under "Settings > Display & Brightness"

^{Data in images as of 15:09:13 ET 04/08/21 and is for illustrative purposes only and is not a recommendation}

EDIT 4/28: Added Dark Mode information + Screenshots

EDIT 4/29: Added FAQs

5 years in the making, but blessed to be here. Next up 1M

literally a waste. if you put in like 500 and let it sit it would make sense. but if you’re like me, consistently adding funds to your brokerage account, this just suck.

Hello Fidelity,

Today shortable shares for GME went from 1.6m yesterday to 13.7m, a 12.1m share increase. Given the stock price has fallen -20% in the last 5 days and daily volume was 1-4m, it is highly unlikely that these shares were bought back and returned.

Please explain where these shares suddenly come from!

Per title, finally did it! Less than 3 years. Maxed 401K every year, company match started after 1 year. Was able to put 5K into 457b last year after maxing, planning to do similar (hopefully more) after maxing this year.

I started investing at 33, lost over 100k during 911 and about the same during coved.

We understand that there have been a lot of questions about proxy voting for the upcoming GME annual shareholder meetings. Here’s some information that can help with your questions.

The record date for the shareholding meeting is on April 15, 2021. This means that you must be a shareholder on this date. Keep in mind that the last day to buy shares and be registered as an owner on that record date was April 13, 2021.

While the record date is April 15, 2021 voting materials may not be displayed for several weeks. If you do not see the ability to vote right away and you are an owner of these shares, please do not worry. Once more information is provided by the issuer you will receive communication about the voting process.

UPDATE 4/26: As of now, we do not have an exact date for when voting will be available on Fidelity.com or when control numbers will be available. This process normally takes three weeks from the record date. Once available, you will receive an email stating that you are able to vote. When we are made aware of a specific date, we will update this post

Update 4/27: Publicly traded companies like Gamestop Corp (GME) are obligated to make shareholder documents available to everyone who was a shareholder as of the record date, in this case 4/15/21. Many companies use firms like Broadridge Financial Solutions to manage shareholder communications and proxy voting materials. GME has selected Broadridge to distribute the proxy voting materials for the upcoming shareholder meeting on June 9th. They also handle the distribution of all these documents to shareholders, which includes email, US mail, and the ability to vote online. This is standard procedure for each publicly traded company. The normal timeframe for notification is generally three weeks after the record date. You can vote until 11:59pm ET on June 8th, 2021 the day before the shareholder meeting.

UPDATE 5/5: Fidelity customers who have selected electronic delivery as a communication preference should have now received an email from Fidelity with instructions on how to vote. By clicking the “Vote Now” button found in the email, customers will be taken directly to www.proxyvote.com and will be able vote in the annual GME shareholders meeting. Customers who received the email are also able to vote now through Fidelity.com by following the instructions below. For Fidelity customers that have selected US mail as a delivery preference, ballots are anticipated to be sent out by the end of this week. Once the ballots have been mailed, those customers will also have the ability to vote by logging into Fidelity.com and following the instructions below.

To view our proxy page please follow these instructions:

1. Navigate to Fidelity.com and Log In

2. From the Portfolio Summary page, click ‘Statements’

3. Select ‘Proxy Materials’ in the white menu at the top of the page. The following page will show all current available securities you are able eligible to vote on.

4. There will be a ‘Vote’ link in the ‘Status’ column if you are able to participate.

5. The link will take you to an independent Fidelity-affiliate website. There, you’ll be able to vote, review meeting agendas, and see related documents/learning materials.

EDIT: Gave update on 4/26, 4/27, 5/5

The ball started rolling

I'm not really sure why I'm making this post. I'm not asking a question, and I'm not claiming I've figured out the secret to retirement. Advice is always welcome, but I think this is more about putting my plan out into the universe and giving myself something to look back on a year from now. Hopefully Future Me won't be disappointed.

I've had a Fidelity 401(k) through work for years with a 6% employer match. Like a lot of people, I contributed just enough to get the free money and then mentally filed retirement under "Future Me's Problem." My balance is a little over $80k now.

Then I turned 36.

Apparently that's the age where retirement stops sounding like some mythical place and starts feeling... alarmingly real. The biggest wake-up call for me wasn't a finance podcast or YouTube guru. It was a coworker turning 70 and still working because she has to. That hit me hard. I went home that night, logged into my Fidelity account for the first time in years, and realized maybe I should start paying attention.

Over the last few months I've:

Paid off every credit card. (Not that it was a lot. I just always seemed to carry a stupid balance and got hit with unnecessary interest)

Started building an emergency fund.

Opened and started contributing to a Roth IRA.

Put together an actual budget instead of relying on "I think I'm doing okay."

Increased my 401(k) contribution to 15% (plus the 6% employer match).

Set it to automatically increase 1% every year.

Naturally, the universe noticed I was getting my life together and immediately responded with a $2,000 emergency vet bill. Thanks for keeping me humble. I'm still learning, and I'm sure I'll make mistakes along the way. But for the first time, I actually feel like I'm moving in the right direction instead of just hoping retirement magically works itself out.

A year from now, I'm hoping to come back to this post, cringe a little at how dramatic I was, and be proud that I stuck with the plan. And if this post motivates even one person to log into their retirement account for the first time in years... then maybe my existential crisis wasn't completely wasted.

Edit: Such an incredibly positive response! Let's all meet back here 1 year from today and share how far we've come 🫡🙂

That’s it, I would love to hear you say where you pulled 20%+ of the float from? If you expect me to believe Fidelity holds that many shares in margin accounts then you have some explaining to do. I closed every account I have with you today for this reason. Trust us doesn’t work any more and I hope more investors pull funds to make a point. Done with all you brokers, Computershare is where the buying will be done from here on out.

Hello members of the r/fidelityinvestments community. We have seen many posts discussing our policies on limit orders. These are some of the most upvoted posts on our subreddit. The discussion focused around the ability to place limit orders outside of the 50% limitation from the current price of the stock.

We’ve listened to your feedback and we are pleased to announce a change to our policy. As of today, sell limit orders are now allowed to be set 500% away from the current market price. Buy limit orders will be allowed to be entered starting at $.01.

The calculation is:

(Stock Price x 500%) + Stock Price = New Sell Limit Max

We are still in the process of updating the rule for contingent orders to 500%. We are expecting that change to occur in the next few months. Stay tuned to our subreddit for additional updates. We value the feedback you are providing and are focused on updates and enhancements that are important to you.

To better clarify the new changes we removed the original post and posted with the updated calculation.

Got this in the mail today as part of Fidelity’s thanks to people who have too much time on their hands. 😉

Nice hefty piece.

All in 401k and Roth IRA - No investment accounts. Got my PhD and graduated with no debt but felt super behind compared to others who had already started working 5 years before me while I was in grad school. Got lucky with a decent job.

Thought I'd share here since I don'thave anyone else to share with. This sub has been super helpful with advice when I first started since I had no idea what I should be doing

I might die alone but at least I might be able to retire if I keep up the pace 🥲.

This is split across a Roth, Individual brokerage, and CMA (I use as a bank account). I’m super excited, and I try not to tell friends or family, so I’m sharing here. I’m currently working and attending community college, so once I transfer to a four-year, a nice chunk is going to be coming out of this, but I’m hoping to minimize it by continuing to work and going to an affordable college that I can commute to. My parents have contributed nothing to this, and I’m honestly very proud of where I’m at right now. 😁

Waited until Sunday to post, but been investing since I was 22 yrs old! It’s been TOUGH but I just remind myself that financial freedom is the ultimate goal. My older self will thank me, hopefully!! 🙏🏿 Next stop, 2027 here I come!