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Give more. Save more.
Maximize your impact with a Giving Account—
the low-cost, tax-smart way to support charities.
How the Giving Account works
When you contribute to Fidelity Charitable, you’re eligible for an immediate tax deduction.
Your contribution is also invested based on your preferences, so it has the potential to grow tax-free while you decide which charities to support.
Because a Fidelity Charitable Giving Account is a donor-advised fund, you advise us on granting the money out to your favorite charities.
How the Giving Account works
When you contribute to Fidelity Charitable, you’re eligible for an immediate tax deduction.
Your contribution is also invested based on your preferences, so it has the potential to grow tax-free while you decide which charities to support.
Because your Fidelity Charitable Giving Account is a donor-advised fund, you advise us on granting the money out to your favorite charities.
Benefits of a Giving Account
Give more. Save more.
Because you can fund the Giving Account with cash, appreciated stock or even non-publicly traded assets like private business interests, you can potentially increase your tax savings and give more to the causes you care about most. Fidelity Charitable makes monetizing these assets for charity simple and easy.
Take your time to research the charities you want to support fully
Giving through Fidelity Charitable makes you eligible to claim an immediate tax deduction while taking the time to explore the causes and organizations you want to support. No rushing around, which could take the joy out of giving.
Giving is made easy
Our leading-edge donor platform allows you to view Giving Account history and statements, plus you can recommend grants anytime. Our mobile app even lets you recommend grants from your phone while on the go.
Benefits of a Giving Account
Give more. Save more.
Because you can fund the Giving Account with cash, appreciated stock or even non-publicly traded assets like private business interests, you can potentially increase your tax savings and give more to the causes you care about most. Fidelity Charitable makes monetizing these assets for charity simple and easy.
Take your time to research the the pointe golf club currituck nc you want to support
Giving through Fidelity Charitable makes you eligible to claim http www fidelity com immediate tax deduction while taking the time to explore the causes and organizations you want to support. No rushing around, which could take the joy out of giving.
Giving is made easy
Our leading-edge donor platform allows you to view Giving Account history and statements, plus you can recommend grants anytime. Our mobile app even lets http www fidelity com recommend grants from your phone while on the go.
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Finding out is simple
Just answer a few questions, like how long you hope to contribute, the amounts, and your risk tolerance.
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Fidelity Investments
US financial services corporation
Fidelity Investments Inc., commonly referred to as Fidelity, earlier as Fidelity Management & Research or FMR, is an American multinationalfinancial services corporation based in Boston, Massachusetts. The company was established in 1946 and is one of the largest asset managers in the world with $4.9 trillion in assets under management as of June 2020 and a combined total customer asset value number of $8.3 trillion.[5][6] Fidelity Investments operates a brokerage firm, manages a large family of mutual funds, provides fund distribution and investment advice, retirement services, index funds, wealth management, cryptocurrency, securities execution and clearance, asset custody, and life insurance.[7]
History[edit]
The company was founded as Fidelity Management & Research (FMR) by Edward C. Johnson II in 1946.[1]
In 1969, the company formed Fidelity International Limited (FIL) to serve non-U.S. markets and subsequently spun it off in 1980 into an independent entity owned by its employees.[8]
In 1982, FMR company started offering 401(k) products.[1] In 1984, it offered computerized stock trading.[1]
In 1997, Robert Pozen was named CEO.[9]
In 2001, Geode Capital Management was established to run and incubate investment strategies for FMR. In 2003, it was spun off as an independent company.[10]
In 2010, Fidelity Ventures, its venture capital arm, was shut down, and many of the employees created Volition Capital .[11]
In 2011, Fidelity changed the name of its international division from Fidelity International to Fidelity Worldwide Investment and a new logo was introduced.[12]
In 2012, the company moved its Boston headquarters to 245 Summer Street.[13]
In 2014, Abigail Johnson became president and CEO of Fidelity Investments (FMR) and chairman of Fidelity International (FIL).[14]
In 2018, Fidelity launched a separate entity dedicated to institutional cryptoasset custody and cryptocurrency trading.[15]
In May 2019, it was reported that the firm would soon be offering cryptocurrency trading to institutional customers.[16]
In October 2019, the company launched Fidelity Digital Asset Services, which will handle cryptocurrency custody and trade execution for institutional investors.[17][18] Subsequently, in March 2021, Fidelity filed for introducing a Bitcoin ETF with the SEC[19]
Fidelity's assets under management climbed 26% in 2019 to a record $3.2 trillion, which helped boost revenue to $20.9 billion and operating income to $6.9 billion.[20]
In March 2020, Fidelity opened a new investor center in Chesnut Hill, MA.[21]
In March 2021, FMR's operating income rose 4.6%.[22] In August 2021, Fidelity announced to plans to hire 16,000 employees in 2021,[23] including 9,000 during the second half of the year.[24]
Current operations[edit]
Mutual funds[edit]
In the 1960s, Fidelity was the first major American finance firm to market mutual funds directly to everyday people via direct mail advertising and door to door sales.[25] Previously, mutual funds had been marketed almost exclusively to high-income or high-wealth individuals, retirement funds for employers, and/or those already in the finance industry.
FMR has three fund divisions: Equity (headquartered in Boston, Massachusetts), High-Income (headquartered in Boston) and Fixed-Income (headquartered in Merrimack, New Hampshire). The company's largest equity mutual fund is Fidelity Contrafund, which has $107.4 billion in assets,[26] making it the largest non-indexed fund in the US and the largest fund managed by an individual. William Danoff has managed Contrafund since 1990.[27]
Fidelity Magellan is another large equity fund, with $15.5 billion in assets.[28] Its current manager is Jeffrey Feingold, who also manages the Fidelity Trend Fund. It was previously managed by Ned Johnson from May 2, 1963, to Dec. 31, 1971, Peter Lynch from May 31, 1977, to May 31, 1990, and Harry W. Lange from 2005 to 2012. Under Lynch's leadership Magellan averaged 29% a year, more than doubling the growth rate of the benchmark S&P 500, and remains the best-performing mutual fund in history over such an extended period.[29][30]
Brokerage[edit]
Fidelity Investments operates a major brokerage firm and has investor centers in over 140 locations throughout the US. Through its subsidiary, National Financial Services LLC, Fidelity Investments provides services to its correspondent broker-dealers, institutional investment firms, banks and trusts, family offices,[31] and registered investment advisors including brokerage clearing and back office support and a suite of software products for financial services firms. National Financial was the custodian for over $443 billion in assets, in 4.3 million accounts as of September 30, 2010.[31]
Benefits outsourcing[edit]
Fidelity Personal, Workplace and Institutional Services (PWIS) is the largest provider of 401(k) retirement plan services with $1.4 trillion under administration[32] and $32 billion in total defined contribution assets, as of 2015.[32] Other services provided include pension administration, health & welfare administration, stock plan administration as well as payroll and other record-keeping services.
Devonshire Investors[edit]
The company's Devonshire Investors arm is a division that gives the owners of the company the ability to make other investments outside its funds.[33]
Assets include Veritude, an employment agency for jobs at Fidelity.[34] The company has been a major investor of real estate, owning the Seaport Center and 2.5 million square feet of office space in Boston.[35] It formerly owned Community Newspaper Company, the largest chain of newspapers in suburban Boston, Massachusetts, sold to the Boston Herald in 2000[36] and now owned by GateHouse Media. Fidelity has also strategically invested in the telecom/managed services/data center industries, including COLT Telecom Group in Europe,[37] MetroRED in South America, and KVH Co. Ltd. in Japan. Since 2008, all MetroRED ownership has been completely divested.
It was formerly heavily invested in commercial lumber and building materials.[38]
In 2013, they sold Boston Coach, a limousine and black-car service, founded in 1985 by Ned Johnson after waiting too long for a taxi, to Harrison Global.[39] It formed ProBuild Holdings in 2006 and sold it to Builders FirstSource in 2015.[40]
Donor-advised fund[edit]
Fidelity manages a donor-advised fund, Fidelity Charitable, in 1991, becoming the first commercial DAF provider.
Eight Roads[edit]
Fidelity International (FIL) also runs its own proprietary investing arm called Eight Roads. It is a global platform with 100+ investment professionals across China, Japan, India, Singapore and UK.[citation needed] In 2018, Eight Roads launched a new European fund.[41] In June 2019, Fidelity announced it may demerge Eight Roads from its core business.[42]
[edit]
A private venture capital firm, F-Prime Capital Partners, managed on behalf of owners and other key leaders of Fidelity Investments, has been described as directly competing with Fidelity Investments public funds. A 2016 Reuters investigation identified multiple cases where F-Prime Capital Partners [43] was able to make investments at a fraction of the price of Fidelity Investments. Because of SEC regulations, investments by F-Prime Capital Partners preclude Fidelity from making the same early investments. The investigation describes that this competition forces Fidelity to delay investing until later and at much higher prices than F-Prime Capital Partners, resulting in lower returns for Fidelity fund shareholders.[43][44]
Corporate governance experts have stated that the practice is not illegal, but that it poses a clear corporate conflict of interest.[43] Fidelity spokesmen have stated that they are following all laws and regulations.[43][45]
The same Reuters investigation documents six cases (out of 10) where Fidelity Investments became one of the largest investors of F-Prime Capital companies after the start-up companies became publicly traded. Legal and academic experts said that major investments by Fidelity mutual funds - with their market-moving buying power - could be seen as propping up the values of the F-Prime Capital investments, to the benefit of Fidelity insiders.[43]
Fidelity declined to comment on this aspect of the investigation.[45][43]
Legal issues[edit]
Document retention fines[edit]
In February 2007, the NASD, a division of the Financial Industry Regulatory Authority, fined 4 FMR-affiliated broker-dealers $3.75 million for alleged registration, supervision and e-mail retention violations. The broker-dealers settled without admitting or denying the charges.[46]
In 2004, Fidelity Brokerage paid $2 million to settle charges by the U.S. Securities and Exchange Commission that employees altered and destroyed documents in 21 of its 88 branch offices between January 2001 and July 2002. Fidelity has internal inspections every year to make sure it is complying with federal regulations. Management was accused of pressuring branch employees to have perfect inspections and gave notice of the inspections and that at least 62 employees destroyed or altered potentially improper documents maintained at branch offices including new account applications, letters of authorization and variable annuity forms.[47]
Misrepresentations[edit]
In May 2007, NASD fined two Fidelity broker-dealers $400,000 for preparing and distributing misleading sales literature promoting Fidelity's Destiny I and II Systematic Investment Plans, which were sold primarily to U.S. military personnel. As part of the settlement, the FMR affiliates were required to notify Destiny Plan holders who want to increase their investments in existing Destiny Plans that additional shares of the underlying fund can be purchased outside the Destiny Plans without paying the additional sales charges.[48]
Ownership and management[edit]
Johnson Family[edit]
The founding Johnson family, individually and through various trusts, owns stock representing a 49% voting interest in FMR, and have signed agreements pledging to vote all their shares as a bloc. Edward Johnson III was chairman of the group, but was replaced by his daughter, Abigail Johnson. Abigail was once the largest single shareholder with about 25% ownership, but in October 2005, it was reported that she had sold a "significant" portion of her shares to family trusts, and that there were doubts as to whether she was still in line to succeed her father.[49]
Employees and ex-employees[edit]
Most of the remaining 51% of the company is held by various Fidelity employees and ex-employees, including fund managers and ex-managers, such as Peter Lynch.[50]
Offices[edit]
FMR's corporate headquarters are in Boston, Massachusetts, with the largest U.S. operations located in Merrimack, New Hampshire; Smithfield, Rhode Island; Westlake, Texas; Dallas, Texas; Houston, Texas; San Antonio, Texas; Mission Hills, Kansas;Covington, Kentucky; Durham, North Carolina; Albuquerque, New Mexico; Cincinnati, Ohio; Salt Lake City, Utah; Jacksonville, Florida; Greenwood Village, Colorado; and American Fork, Utah. It also has offices in Canada in Toronto, Montreal, Calgary and Vancouver. Fidelity Management and Research in 2009 opened offices in both Hong Kong and Tokyo, Japan to add capabilities to its small cap research.
In 2004, Fidelity established its first presence in India by opening an office in Mumbai. However, their offices in India mostly serve back-office function and do not make any investments related decisions.[1] The company has over 4,000 employees in India. Its second largest software development facility (after the United States) is in Bangalore and Chennai.
Fidelity Investments Ireland was established in 1996 as the European offshore development centre for Fidelity Investments and now employs over 1,000 people with offices in Dublin and Galway. Fidelity also has offices in France, Germany, Belgium, Italy, Spain and Switzerland and London for its HR Solution business HR Access.
Marketing[edit]
Paul McCartney marketing campaign[edit]
Fidelity has experimented with marketing techniques directed to the baby boomer demographic, releasing Never Stop Doing What You Love, a compilation of songs by Paul McCartney. McCartney became the firm's spokesman in 2005 in a campaign entitled "This Is Paul". On the day of the disc's release, company employees were treated to a special recorded message by Paul himself informing them that "Fidelity and [he] have a lot in common" and urging them to "never stop doing what you love".[51]
See also[edit]
References[edit]
- ^ abcde"Our Heritage – Fidelity". www.fidelity.com.
- ^"Fidelity Investments".
- ^https://www.fidelity.com/about-fidelity/fidelity-by-numbers/corporate-statistics Terms of Use
Protection You Can Depend On
Our mission is to offer superior customer service, competitive coverages, expedited claim service and to give our policyholders peace of mind.
Find an AgentReport a ClaimИсточник: https://www.southernfidelityins.com/Products
Homeowners
Providing broad and special coverage forms for your dwelling, personal, and liability exposures
Learn MoreDwelling Fire
Providing coverage for your investment property or secondary home
Learn MoreCondominium
Providing coverage for your interior condo dwelling, personal property, and liability exposures
Learn MoreRenters
Providing coverage for your personal possessions and liability
Learn MoreFlood
Providing coverage through the National Flood Insurance Program
Learn MoreIdentity Theft
Providing coverage for identity theft through our ID recovery service and expense reimbursement coverage
Learn MoreEquipment Breakdown
Providing coverage of any items in your home that use electricity
Learn MorePersonal Umbrella
Providing extra liability coverage above the limits of your underlying policies
Learn MoreManaging Your Fidelity Account Online
Источник: https://www.pbusa.org/managing-your-fidelity-account-onlineA Nazarene 403(b) Retirement Savings Plan account has been established for most qualified Nazarene ministers with Fidelity Investments. You can learn about your account, create a username and password, establish how much you want to contribute, and modify your investments at www.netbenefits.com/atwork. Follow these steps to initialize your account:
- Visit www.netbenefits.com/atwork.
- Select “Register” at the top of the screen.
- You'll be asked to confirm basic information (name, DOB, last four digits of your SSN) and submit.
- Follow the instructions.
- Watch this video for assistance in set up of your PIN.
If you prefer to speak directly with a Fidelity retirement services specialist, you may phone 866-NAZARENE (866-629-2726) for assistance.
Modify Your 403(b) Contribution
To adjust payroll contributions to your account:
- Visit www.netbenefits.com/atwork.
- After sign-in, a screen will appear with your account balance. On the right side of the screen, you will see the Quick Links box. Clicking on the down arrow will open a menu with a variety of options. Select Contribution Amount and another window will open. Follow the directions to enter your new contribution percentage.
- Confirm your new contribution percentage.
- If your plan does not allow you to change your contribution online, talk to your human resources department or church treasurer to complete a new Salary Reduction Agreement.
- You may also contact a Fidelity retirement services specialist for assistance via phone at 866-NAZARENE (866-629-2726).
Note: All contribution amounts must be in whole percentages and changes will become effective with the current or next pay period, or as soon as administratively possible.
Modify Your Investment Elections
To change how your future investment elections are invested online:
- Visitwww.netbenefits.com/atwork.
- After sign-in, a screen will appear with your account balance. On the right side of the screen, you will see the Quick Links box. Clicking on the down arrow will open a menu with a variety of options. Select Change Investments.
- Enter the percentage of your payroll contributions that you wish to direct to each investment option you choose (note that your selections must add up to 100%).
- View the online prospectus for each fund in which you are investing.
- Confirm your investment elections.
Note: Any contributions to your account made after the effective date of this change will be directed into the investments you select.
Rebalance Your Portfolio
Over time, some asset classes and funds perform better than others, which can result in the mix of stock funds, bond funds, and/or money market funds changing from what you originally intended. If this happens, you may wish to rebalance your account so that your investments reflect the mix most appropriate for you and your goals.
To rebalance your account:
- Visit www.netbenefits.com/atwork.
- After sign-in, a screen will appear with your account balance. On the right side of the screen, you will see the Quick Links box. Clicking on the down arrow will open a menu with a variety of options. Select Change Investmentsand follow the directions.
- Enter the percentage of the balance in each of your current investment options that you wish to direct to each investment option you choose — your selections must add up to 100%.
- View the online prospectus for each fund in which you are investing.
- Confirm your elections.
Are You Investing Enough for Retirement?
Periodically, you may decide to invest more for retirement. This can be easily done using the following steps:
- Visit www.netbenefits.com/atwork.
- After sign-in, select Menu at the top left of the screen. You should see a series of icons. Select Planning, and a tool will open to help you work through the process.
Update Your Contact Preferences
Receiving communication by e-mail offers you greater convenience and will help keep you up to date on topics related to your retirement plan. Here's how to do this:
- Visit www.netbenefits.com/atwork.
- After sign-in, select Menu at the top left of the screen. You should see a series of icons. Select Profile and another window will open. Make any changes necessary and be sure to save your information before closing the window.
Need Help? Call Fidelity
Most questions related to your Nazarene 403(b) Retirement Savings Plan account can be answered by phoning a Fidelity retirement services specialist at 866-NAZARENE (866-629-2726). If you still have questions after doing this, phone Pensions and Benefits USA at 888-888-4656.
Also, Fidelity has a broad array of valuable tools, such as calculators and informational videos to assist in managing your financial life. We encourage you to explore their many resources.
Unless otherwise noted, transaction requests confirmed after the close of the market, normally 4 p.m. Eastern time, or on weekends or holidays, will receive the next available closing prices.
The investment options available through the plan reserve the right to modify or withdraw the exchange privilege.
More Information ...
Managing Your Workplace Savings Plan AccountSetting Up Your Fidelity Username and PasswordGive more. Save more.
Источник: https://www.fidelitycharitable.org/Maximize your impact with a Giving Account—
the low-cost, tax-smart way to support charities.How the Giving Account works
When you contribute to Fidelity Charitable, you’re eligible for an immediate tax deduction.
Your contribution is also invested based on your preferences, so it has the potential to grow tax-free while you decide which charities to support.
Because a Fidelity Charitable Giving Account is a donor-advised fund, you advise us on granting the money out to your favorite charities.
How the Giving Account works
When you contribute to Fidelity Charitable, you’re eligible for an immediate tax deduction.
Your contribution is also invested based on your preferences, so it has the potential to grow tax-free while you decide which charities to support.
Because your Fidelity Charitable Giving Account is a donor-advised fund, you advise us on granting the money out to your favorite charities.
Benefits of a Giving Account
Give more. Save more.
Because you can fund the Giving Account with cash, appreciated stock or even non-publicly traded assets like private business interests, you can potentially increase your tax savings and give more to the causes you care about most. Fidelity Charitable makes monetizing these assets for charity simple and easy.Take your time to research the charities you want to support fully
Giving through Fidelity Charitable makes you eligible to claim an immediate tax deduction while taking the time to explore the causes and organizations you want to support. No rushing around, which could take the joy out of giving.Giving is made easy
Our leading-edge donor platform allows you to view Giving Account history and statements, plus you can recommend grants anytime. Our mobile app even lets you recommend grants from your phone while on the go.Benefits of a Giving Account
Give more. Save more.
Because you can fund the Giving Account with cash, appreciated stock or even non-publicly traded assets like private business interests, you can potentially increase your tax savings and give more to the causes you care about most. Fidelity Charitable makes monetizing these assets for charity simple and easy.Take your time to research the charities you want to support
Giving through Fidelity Charitable makes you eligible to claim an immediate tax deduction while taking the time to explore the causes and organizations you want to support. No rushing around, which could take the joy out of giving.Giving is made easy
Our leading-edge donor platform allows you to view Giving Account history and statements, plus you can recommend grants anytime. Our mobile app even lets you recommend grants from your phone while on the go.QUIZ
Is a donor-advised fund right for you?
Finding out is simple
Just answer a few questions, like how long you hope to contribute, the amounts, and your risk tolerance.