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hey guys welcome back to the channel in this video we're going to do a walkthrough and overview of fidelity investments web platform if by chance you're looking to how to set up a brokerage or roth ira i made a separate video for that and if by chance you're looking to how to buy and sell an individual stock on fidelity's platform once again a separate video for that but in this video we're going to go through the whole website and i'll show you the highlights of what you need to know as a fidelity investor and of course fidelity is not sponsoring me i have no referral link i just genuinely think they're a good company and i recommend them to people who visit my channel if by chance you're not already a fidelity customer and you want to give them a try you can actually go on their website and sign up for 30 days of a free guest access so you don't have to give them your social security number or personal info well you're going to have to give them an email in your name but you won't have to give them like your home address or birthday when you go on their website you will notice that there will be these little lock icons so if there's a lock icon that means you have to log in to access it but most of what you see is available to check out if you're not already a fidelity customer now we're gonna go through what's available to everyone and then i'm gonna login and i'll show you some special features unique to fidelity that i really like as a fidelity customer under the y fidelity tab we can see basically just you know what what is their selling points and they have really good customer service you know if you scroll down to i think the bottom of every page it says call anytime call this number a big problem that people have with these smaller discount brokerages like weeble robinhood m1 finance is it's really hard to get help or call somebody when you need to now we'll go through a couple of these we'll look at their pricing because the pricing is a big selling point after charles schwab last year announced zero commission trades to compete with robin hood all the large investment banks went towards zero commission trades but fidelity is unique because they take the low fees to the extreme so let's go through a couple of these so for trading fees once again zero dollars for options zero dollars for etfs and they offer zero zero fee mutual funds we'll check those out in a second but when we look at the fee comparison between the big three banks that i always recommend on my channel i always recommend either fidelity charles schwab or vanguard you'll notice their the account service fee zero dollars for vanguard you can get it waived if you sign up for electronic delivery let's see what other uh selling points they have here uh reorganization fee late settlement fee bank wire fee zero dollars for a bank wire fee that's surprising um and then at atm account fee if you have a checking account and a debit account so all three banks are good but fidelity being the smallest of the three i think the most pressure is on them to lower all their fees to draw in new customers under planning and advice there are several tools available to you if you're looking for financial advice from fidelity everybody has access to their robo advisor digital investment management for a single goal however once you start holding significant amount of money with fidelity over a hundred thousand quarter million a million then you can pay and enroll in these other wealth managements private wealth management services through fidelity if that's something you're looking for something really nice about fidelity investments is they have physical branch locations unlike these other online discount brokerages so if you want to go on their website and find an investor center you can go in and person and talk to a financial advisor or access their services in other ways i don't know how many branch locations they have but it seems like a good number and if you just type in your zip code you can find the closest branch to you under insights and tools they'll highlight some of their calculators and they also have a smart smarter trading technology if you click on start planning now you can you know fill out some surveys and fidelity will help you form investing goals for your future under investing products fidelity offers literally everything that you would want from a full service investment bank we're just going to check out real quick their mutual funds and then we're going to check out their etfs and then i quickly want to just mention their cash management and credit cards something i don't like about vanguard is you can't get a checking account with them but with fidelity you can get a checking account just like you can with charles schwab and they offer a really nice credit card the fidelity awards visa signature card if you're just anti-credit cards don't worry about it but this is a unlimited two percent cash back on all purchases when using this card so kind of like these robo investing apps like acorns this is basically what this is so two percent of every transaction you make on this card you can have it auto invest into one of your fidelity accounts so it's a way of passively investing just on everyday spend you do already mutual funds are obviously a big selling point with fidelity if you're looking to set up a retirement account or you're just a long-term buy and hold investor in your ordinary brokerage account let's go to explore our fund offering and we'll scroll down and i'm always interested in what is the cheapest fund to participate in so let's go to their index funds and i'll probably make a separate video about this but fidelity offers several zero cost funds the i think the most well known one is fizzrocks f-z-r-o-x let's click on this and we can verify what is the expense ratio it is zero percent fidelity is charging their customers nothing to have the account a brokerage or an ira and nothing to participate in this fund that is incredible at this point you might be wondering what's the catch how does fidelity make money don't worry fidelity is still making money off their customers there are stocks in these funds that they will loan out to short sellers for a small cost in addition anybody borrowing on margin with fidelity they earn an interest rate on loaning money for people that want to go negative on their account basically in addition fidelity is also investing your settled cash so anybody who holds cash in their money market accounts with fidelity fidelity is investing that for you and then making profit for themselves so just by drawing in customers uh you know they're guaranteed to increase their profit margins but the takeaway is if you don't if you don't want to lose any money don't hold a lot of cash maybe in your money market account with fidelity instead get a high interest savings account fidelity also offers really nice etfs however fidelity's offering of etfs is not as extensive as vanguard or charles schwab and i don't know the backstory but they appear to be partnered with eye shares ishares is operated by blackrock which actually is the largest investment bank in america they are the second largest mutual fund but the largest etf offering investment bank why why fidelity is sending business or their clients to blackrock to purchase their etfs i don't know there's some sort of arrangement there but i share etfs are good good options in addition to fidelity's own we can just quickly look at what do they offer maybe stock etfs they do have an assortment if we want to just click on one to see what it looks like so this is fidelity's high dividend yield etf if we scroll down we can what is their what is the expense ratio okay the expense ratio is 0.29 percent for operating this fund and participating in it if we go to the news and research tab you can get access to fidelity's news website basically it's an aggregate of other sources so you get new york times financial times bankrate.com reuters what else we got here so if you want to read news articles of what's happening in the market you can do that if we click on the planning and advice tab and we click on maybe what we offer once again this is just fidelity telling you more about their services and their tools available to you fidelity go the wealth management services if you scroll to the bottom uh fidelity does have a social media presence if you want to like them on facebook follow them on twitter or go check out their youtube channel they do have a social media presence in addition to their website which once again covers everything they can do for you okay everything else is pretty much locked you have to be logged in to see it so i will log on now and we will check out some additional features of fidelity's website and then i'll show you my accounts and portfolio page first thing i want to mention that you might be interested in is if you go under accounts and trade you can click on something called full view now i have not enrolled in this or set this up yet but what this is is you basically can use fidelity to log into all of your finance other financial service websites so any credit cards you have maybe your home mortgage your car loan an annuity whatever you can log into those websites through fidelity and then fidelity will import all of your information all of that data and then give you you know pie charts and spreadsheets and graphs and you can basically integrate all of your finances through their own smart navigation system once again i've only heard about this i've not actually done this but you enroll in it and then you can start importing all of your financial information from every other website that you want to include to get a holistic service and picture within fidelity under accounts and trades we can click on active trader pro once again i just want to mention this that fidelity does have a smart uh you know level two investing uh soft trading software td ameritrades is think or swim charles schwab's is street smart edge so they do offer you a more advanced way to buy and sell if you're into being maybe a day trader or a more active trader once again i haven't personally downloaded or or tried this yet i definitely can make a video about this in the future and of course you can access your fidelity account and buy and sell securities on either a tablet or a mobile device once again i'll potentially make a separate video on that in the future so this is my portfolio page and i recently deposited twenty five hundred dollars if we click on positions i can show you what i've done i've only bought a couple stocks to basically just test out the platform uh the s s p a x x this is your uh money market accounts so you do earn a little bit it's not very much but that's where your uninvested cash will sit uh until you buy securities with it if we click on all these tabs this is pretty self-explanatory what you're looking at we can look at balances we can look at orders and activity this is history so if we scroll down then you can see everything that you've done for example in the last 30 days 60 days a quarter or by year if you want to search for just a specific symbol of something that you've been buying and selling like if i want to look just for microsoft i can type in msft transactions once again types of of transactions in your history if you want to just look for what dividends have occurred you can do that if you want to look for fees you can look for fees if we click on the planning tab this will actually take me away because i have not set up a financial plan so you once again can do certain surveys or questionnaires to give fidelity more information about what your plan is and then they will try and use you know a robo advisor to help guide you on whatever plan you said that you wanted to follow if we go back we can click on the analysis tab and once again it's just looking at what what have i been purchasing and you know does that match my goals the uh the asset allocation it says 90 short term because once again i still have 2 300 worth of cash i've only bought maybe a couple hundred dollars worth of stocks in in the future i will be uh setting up a long-term investment account i will be buying and holding long-term individual securities so uh check for that uh soon but for right now i just have cash in the account okay at this point we might want to do some research so if we go up to news and research we can click on stocks and fidelity has a really nice stock screener this honestly might be the the selling point for me on why i like fidelity so much so let's make it a little bit bigger and a couple things that i want to show you real quick if you click on uh the stock screener if you've never used the stock screener i'll make a separate video explaining how to use one but it's basically like a search engine for stocks on any metric that a stock is measurable for and what's really cool about fidelity is they have preset x expert strategies what does that mean well let's say uh you want to use a stock screener and find new stocks to invest in well it's giving you pre-settings of a stock screener to find certain stocks so for example if we click on most popular we can scroll down and we'll see dividend growers well yes i would like to find some new stocks to invest in that are dividend paying stocks that are growing their dividend so what it does in the stock screener is it fills in all of the metrics or categories to help you find a stock so the first one is the dividend uh greater than five percent so there's 526 stocks that meet that criteria was the dividend growth rates above zero percent basically uh so it then for for the prior year so that gets us down to 338 so we narrowed it down from 526 to 338. additionally was the dividend growth rate for the last five years above zero percent once again we're now down to 243 and then the earnings per share what's the projection uh the p e ratio is it under 20 uh and then there's some other minor uh criteria but it gets us down to eight so based on all of these expert you know pre-setting screening options it gets us down to these eight stocks abby b and g foods boston properties so if you're looking for a dividend stock uh that that's that could be growing its payouts over the next couple years these are eight good options and it even kind of like gives you an explanation of how this screener preset was made it was made by zach's investment the goal of this screen is to find top dividend paying companies with a history of increasing dividends and of course if you want to alter this stock screener let's say i don't care about p e ratio it doesn't need to be under 20 i can i can x that and eliminate that and now my match results are not eight they're up to 12. so now i'm looking at 12 dividend growing stocks i can i can investigate additionally fidelity has an events calendar if you want to follow when our earnings reports coming when are ipos being offered they have a list of upgrade downgrades this is actually pretty cool so if you want to see what are the analysts what stocks are they upgrading or downgrading at the moment the time period is only selected for today but let's do one week when we do that there were 957 stocks you know there's like 2 800 publicly traded that were upgraded by an analyst so if we just click on the the light blue shade we can find a company like caterpillar and the research firm wells fargo securities they they had it at outperform and they oh no it was previously the previous rating was market performed and they they upgraded it to outperform likewise we can click on analyst downgrades and we can see when resorts was a buy from jeffries and now it's been switched to hold if you don't know who jeffries is you know we can click on this and it'll give you more details of jeffries and different ratings that they've given to stocks let's go ahead and research an individual stock and i always do as an example apple aapl we can type that in this is interesting when you want to research apple you can go straight to for example earnings reports dividends news and events if we just click on the snapshot we can go ahead and click go and it gives you all of the you know the usual stuff that you would expect from a good investment bank giving you information so if you want to do the charting feature you can do the charting feature i really like the 52-week range where the share price has been gives you the current stock quote information uh there's a widget for news information about the dividends information about the earnings obviously you can get all their financial information let's go back and something that i i like about the stock details search engine you know if we click on apple you can go straight to research reports so let's go ahead and click go on research reports and it gives us access fidelity must be paying these research firms to have access to their their their studies but argus is a very good reputable company if we click on this it should open a pdf and yeah this is argus research giving information on apple that doesn't look that doesn't look like the one i'm looking for we want the analyst reports yeah let's click on this one and it gives you you know a six page pdf of argus's financial information breakdown analysis of every individual stock that they rate so street looking for a big iphone upgrade cycle apple introduces four new iphones on october 13th the phone ranges so forth and so forth so their 12-month rating is a buy five-year rating a buy sector rating overweight and it looks like there's close to a dozen research firms that you can get access to through fidelity i've never heard of zach's investment research but if we go ahead and click on it i got a 10 page pdf of zack breaking down apple stock for me thank you so much zach now i do have to say as a relatively new fidelity customer i am thoroughly impressed with my experience so far their user interface is very intuitive easy to use and very very detailed i like their stock screener and their research tools and the access to information that i get through their platform once again it's a full service bank anything that you want to do insurance mortgage whatever you can do with fidelity overall i'm just very impressed and i definitely can see myself being a fidelity customer for life okay guys if you enjoyed this video give me a thumbs up so the algorithm knows it's good in addition consider subscribing to my channel i talk a lot about finance and investing topics and if you have any questions or comments leave me one down below i love hearing from you guys and i am making a series of videos on fidelity so if you want to click on that playlist to learn more about fidelity i'd really appreciate that as well until the next video take care