ABA Number
A bank routing number, or ABA number, is the unique transit routing number that identifies a specific bank or institution. The transit routing number is used to wire mutual fund redemptions to a bank account.

Accepted Awards
The number of accepted restricted stock awards.

Accepted Grants
The number of accepted grants.

Accepted Rights
This field refers to Stock Appreciation Rights that the participant has accepted. 

Account
A Fidelity account or annuity you hold. The account is identified either by your account number or the number Fidelity has assigned along with the name you assigned (if any).

Account Closeout Fee
A fee that may be imposed on your account by Fidelity to cover the administrative costs of closing it out.

Account Groups
Any grouping of accounts for the purpose of executing performance reporting as a combined pool of assets and investment activity.

Account Level Performance
Reflects the return of your investments within an account for a given period of time. Fidelity tracks account level performance back to 1/1/2007. For new accounts, individual account level performance tracking will start as soon as the account is funded. Calculations are performed on a month-end basis.

Account Level Performance (Portfolio Advisory Service Program^SM accounts)
Reflects the return of your portfolio for a given period of time. Portfolio Advisory Services^SM began tracking account level performance to Fidelity Portfolio Advisory Service^SM Program accounts on 1/1/2000. For Fidelity Private Portfolio Service^SM, we began tracking account level performance on 1/1/1998. For new accounts, individual account level performance tracking will start at the beginning of the next calendar quarter, after the opening of your account. Reporting occurs at the end of each calendar quarter.

Account Name
The name you give to a Fidelity account or annuity. For example, you could name a retirement account 401(k) Rollover Account.

Account Number
A Fidelity-assigned number used to identify a specific account, or the number of a bank account you use with the Fidelity Electronic Funds Transfer service to transfer cash between your Fidelity account and the bank account.

Account Selector
This field displays the current account. You can select another account from the drop-down list in this field.

Account Value
On the Historical Analysis screen, this is the value of the securities in the portfolio or one or more selected accounts.

Accrued Cash Dividend
The total cash amount accrued for a given vesting period.

Accrued Interest
The interest received from a security’s last coupon interest payment date up to the current date or date of valuation. In a trade context, it is calculated up to but not including the settlement date for the trade.
An investor who sells a security with accrued coupon interest will not receive the accrued interest until the next interest payment date, which would occur after the sale of the bond. The investor buying the bond receives all of the interest from the last payment date including the interest that accrued while the bond was owned by the last investor. As a result, the investor buying the bond pays the investor selling the bond all interest that has accrued from the last payment date up to but not including the settlement date for the sale.
In a bond ladder’s summary calculations, the accrued interest field refers to the sum of all of the accrued interest from the securities in the ladder that will need to be paid if the ladder is purchased on the current day.

ACDC
(Average Cost Double – Category) A cost basis method in which cost basis is calculated on two average cost figures based on the holding period: one for short-term shares owned 365 days or less, and one for long-term shares owned more than 365 days. You can specify whether long-term or short term shares were sold.

Achieved Pending Payment Value
The total value of the number of shares/units and dividends (if applicable) pending payment you have achieved times the price at the close of the previous business day

Acquisition Premium

When fixed income securities issued with original issue discount (OID) are purchased at a premium over the adjusted issue price (plus any accreted OID income), the premium, called an acquisition premium, must be amortized and reflected in the calculation of the adjusted cost basis. This amortization will impact the taxable income you will recognize each year. Fidelity calculates acquisition premium amortization (and makes corresponding adjustments to adjusted cost basis it provides) on the assumption that you elected to use the ratable accrual method in which OID income is reduced by the pro-rata portion of the acquisition premium attributable to each year’s OID earned. If you elected an alternative amortization calculation method, the acquisition premium amount Fidelity calculates may not be applicable. The acquisition premium amounts and adjusted cost basis Fidelity provides may not reflect all adjustments for tax reporting purposes. Review prior calculations and adjustments you have made and consult your tax advisor and IRS Publication 550, Investment Income and Expenses, for additional information.

Acquisition Price/Share

The actual dollar price you paid per share, inclusive of costs associated with purchases (such as brokerage commissions) and exclusive of any of the adjustments ( e.g., wash sale or corporate actions such as mergers).

Across Offerings

This is an option on the Search Secondary Market Offerings screen. This option allows you to search for and view a list of secondary market fixed-income securities (e.g., bonds) offered through Fidelity that match criteria you specify. You can select one or more of the following and view offerings for more than one type of security after performing a single search:

• Treasuries


• Agency/GSE bonds


• Municipal bonds


• Corporate bonds

ACSC
(Average Cost Single Category) A cost basis method in which cost basis is calculated based on the average price paid for all shares regardless of the holding period. This method of calculating cost basis is permitted for mutual funds only and cannot be used to calculate cost basis for individual securities such as stocks and bonds.

Action

The type of order for a trade. Available actions vary according to security type and account type. For example, some of the actions available for a stock trade in an authorized brokerage account are Buy, Sell, Buy to Cover, or Sell Short, while the actions available for a mutual fund trade in a brokerage account are Buy a Mutual Fund, Sell a Mutual Fund, and Sell a Mutual Fund and use the proceeds to buy another mutual fund. For bond trading, the actions available are Buy, Sell, and Hold.

Active

This is an annuity status that indicates a variable deferred annuity is past the free look period or extended free look period and is currently in the accumulation phase, the phase during which you are attempting to build retirement savings.

Active – Deposit to Fidelity Only

For Fidelity Electronic Funds Transfer, this is a bank status. This status indicates that you currently can only use Electronic Funds Transfer to transfer from your bank account to make a deposit to your Fidelity account. However, you can immediately use the deposited money to buy stocks, bonds, or mutual funds.
Generally, after 7-10 business days you can use Electronic Funds Transfer to request transfers to deposit to and withdraw from your Fidelity brokerage non-retirement account via Fidelity.com.

Active – Deposit/Withdrawal

For Fidelity Electronic Funds Transfer, this is a bank status that indicates the routing information for a bank has been verified and the bank can be selected for use when transferring money to deposit to or withdraw from your Fidelity account using Electronic Funds Transfer.

Active Trader Services

Certain benefits designed specifically for investors who make at least 36 stock, bond, or options trades across their Fidelity Accounts^SM in a rolling 12-month period.

Activity Assessment Fee

The fee the self-regulatory organizations must pay to the SEC. This fee is collected by brokerage firms on sale transactions in equity securities and forwarded to the SROs, and ultimately the government, as required by current regulation.

Actual/360

An interest formula used for municipal, corporate and agency bonds, which uses the actual number of days from the last coupon date and a 360 day year to calculate the dollar amount of interest payments owed to an investor.

Actual/Actual

An interest formula used for U.S. Government notes and bonds which uses the actual number of days from the last coupon date and a 365-day year to calculate the dollar amount of interest payments owed to an investor.

Additional Federal Tax

When estimating the gain for a stock appreciation rights grant, the dollar amount that you would like to have withheld from the grant for federal tax purposes, in addition to the amount determined by the withholding tax rate.

Additional Federal Tax Withholding Amount

For stock option exercise transactions, this is the dollar amount you indicated you wanted withheld in addition to the required federal tax amount. This amount can be combined with your federal tax rate election.

Address

In a company profile, the address of the company about which you are viewing information.

Adjusted Dividend Quantity

The number of dividends received after applying the achieved performance percentage.

Adjusted Price / Inflation Adjusted Price

In the context of inflation protected bonds such as Treasury Inflation Protected Securities (TIPS), the Adjusted Price is the price that will be used to assess the net money (the total dollar amount) of the trade. It is calculated by multiplying the Inflation Factor by the trader’s quoted prices.
Because the inflation protection of a TIPS is delivered through changes to a bond’s principal, the investor is essentially paying for the cumulative inflation impact from the original issue date up until the point of purchase.

Adjusted Share/Unit Quantity

The number of shares/units received after applying the achieved performance percentage.

Adjustment

Correction to or change in the outstanding contribution balance.

A/D Line

The Advance/Decline (A/D) Line is the most widely used indicator measuring market breadth. It represents a cumulative total of the number of stocks advancing vs. the number of stocks declining. When the A/D Line rises it means that more stocks are rising than declining (and vice versa).
In our online price charts, the A/D Line is calculated for all markets and the appropriate market indicator is automatically selected for your focus security.
For example, if you are analyzing a chart on IBM which trades on the NYSE, and you choose the A/D Line, the system will automatically apply the A/D Line for the NYSE

A/D Line (breadth)

The breadth Advance/Decline (A/D) Indicator is the number of advancing issues divided by the total number of both advancing and declining issues.
Readings above 0.5 are considered “Bullish” while readings below 0.5 are considered “Bearish.”

A/D Line (Daily)

The non-cumulative Advance/Decline (A/D) Daily Line is calculated by subtracting the number of declining issues from the number of advancing issues and then dividing that figure by the total number of issues traded.
(Advancing issues – Declining issues)/(Total number of issues traded)
Generally, values above 0.25 are considered “Bullish” while values below -0.25 are considered “Bearish.”

Advisor Directed brokerage Account

An institutional brokerage account you opened with Fidelity through a Registered Investment Advisor that is being actively managed by your Advisor.

Advisor Name

The name of the person or entity that acts as investment manager for the asset class in the sub-account.
This field displays on the Personal Trust Balances screen.

After Hours Session

The After Hours trading session is available through the Electronic Communications Network (ECN) in which Fidelity participates via Fidelity.com. It is not available through Fidelity’s Automated Service Telephone (FAST®), other online services, or through Fidelity representatives. ECN orders in the After Hours session can be placed from 4 to 8 p.m. Eastern Time. Between 4 and 8 p.m., Fidelity transmits orders to the ECN and the transmitted orders are available for immediate display and execution according to the time received and the specified limit price.

Agency/GSE

This refers to Agency and Government Sponsored Enterprises (GSE) bonds. Agency and GSE bonds are generally grouped together, but the two underlying types of organizations are not the same.
Agency bonds are issued by official U.S. government bodies (e.g., Government National Mortgage Association, Ginnie-Mae).
GSE bonds are offered by lenders created by an act of Congress to assist groups of borrowers (e.g., farmers, ranchers, homeowners, mortgage lenders, etc.).
Agency and GSE bonds are generally available in minimum denominations of $10,000, with subsequent investments in increments of $5,000. However, Fidelity makes it possible for you to buy these securities with a minimum denomination of $1,000, and subsequent increments of $1,000.

Agency/GSE New Issues

New issue Agency and Government Sponsored Enterprises (GSE) bonds are typically sold for the issuer through a broker-dealer, such as Fidelity, on an as needed basis and usually at face value. Broker-dealers purchase large blocks of bonds, then make the securities available to other institutions and individuals.

Since these securities are new issues, coupon interest has not accrued.
Agency and GSE bonds vary in their order minimums and increments. Although most may have a minimum order quantity of 1 bond, others have minimum purchase sizes of 5 or 10 bonds for minimum investment amounts of $5,000 or $10,000 respectively. Please check the Bond Details page of the issue you are considering when placing orders for New Issue Agencies.
Agency bonds are issued by official U.S. government bodies (e.g., Government National Mortgage Association, Ginnie-Mae).


GSE bonds are offered by lenders created by an act of Congress to assist groups of borrowers (e.g., farmers, ranchers, homeowners, mortgage lenders, etc).

Alert Frequency

The time of day and number of times a watch list alert is sent to your delivery address. Valid watch list alert frequencies are:

• Daily 7 p.m.
  
  Closing price quotes for the securities on your watch list are sent each day at 7 p.m. ET.


• Friday 7 p.m.
  
  Closing price quotes for the securities on your watch list are sent on Friday at 7 p.m. ET.


• Every 15 Minutes
  
  Real-time quotes for the securities on your watch list at 15 minute intervals until the 100 real-time quotes daily limit is met. For example, if you request quotes every 15 minutes for two watch lists with five securities each, the 100 real-time quotes daily limit would be reached after two hours and fifteen minutes. You would not receive another quote until the stock market opens the next day.


• Every Half Hour
  
  Real-time quotes for the securities on your watch list at 30 minute intervals until the 100 real-time quotes daily limit is met. For example, if you request quotes every 15 minutes for two watch lists with five securities each, the 100 real-time quotes daily limit would be reached after four and a half hours. You would not receive another quote until the stock market opens the next day.


• Every Hour
  
  Real-time quotes for the securities on your watch list at hour minute intervals until the 100 real-time quotes daily limit is met. For example, if you request quotes every 15 minutes for two watch lists with five securities each, the 100 real-time quotes daily limit would be reached after ten hours. You would not receive another quote until the stock market opens the next day.


• Market Close
  
  Closing price quotes for the securities on your watch list sent when the market closes at 4 p.m. ET.


• Market Open
  
  Opening price quotes for the securities on your watch list sent when the market opens at 9:30 a.m. ET.


• Market Open and Close
  
  Opening price quotes for the securities on your watch list sent when the market opens at 9:30 a.m. ET, and closing price quotes sent when the market closes at 4 p.m. ET.


• Market Open/Mid-day/Close
  
  Opening price quotes for the securities on your watch list sent when the market opens at 9:30 a.m. ET, another set of price quotes sent at noon ET, and closing price quotes sent when the market closes at 4 p.m. ET.


• Mid-day
  
  Price quotes for the securities on your watch list sent at noon ET.

Allocation

The percentage of new contributions designated for each position in the active portfolio. There can be between one and three active positions for each College Savings plan account. The combined percentage of allocation must equal 100%.

All or None

A condition placed on an order indicating that the entire order be filled or no part of it.

All or None/Do Not Reduce (AON/DNR)

A condition on an order indicating that the order can only be used as a Good ’Til Canceled limit order.

Allowable Deduction

In an employee stock purchase plan, the percentage of compensation that can be deducted from your payroll throughout the offering period, according to plan rules. Although the allowable deduction may vary from plan to plan, the IRS limits total purchases to $25,000 annually.

All Shares

This is an option on the Transfer Shares screen that enables you to transfer all of the shares eligible for transfer in the selected eligible position.
If you do not select this option to transfer all shares, you must select Number of Shares and then enter the number of eligible shares to transfer.

Alpha

A risk-adjusted performance measure. A positive (negative) alpha indicates stronger (poorer) fund performance than predicted by the fund’s level of risk (measured by beta). Alpha and beta are more reliable measures when used in combination with a high R2 which indicates a high correlation between the movements in a fund’s returns and movements in a benchmark index. Alpha is annualized.

Alternative Minimum Tax, Federal (AMT)

The federal alternative minimum tax (AMT) was designed to ensure that at least a minimum amount of income taxes are paid by taxpayers who reap large tax savings by using certain tax deductions, exclusions and credits.
It is owed only if and to the extent it exceeds a taxpayer’s regular federal income taxes. The federal AMT system uses its own forms, rules, rates and brackets (e.g., interest earned on certain private activity municipal bonds should be taxable under the AMT rules). Also note that some states also have their own state alternative minimum tax in addition to their regular state income tax.

• For users of the Individual Bonds search tool, an indicator (AMT) will appear in the bond search results in the Attributes column if the security’s interest income should be subject to the federal AMT.


• On the Bond Details: Offering page, an indicator specifies whether or not the security’s interest income should be subject to the federal AMT. Y displays if it is and N displays if the security’s interest income is expected not to be subject to this tax.

Amortized Premium

Premium generally arises when a fixed income security is purchased for an amount greater than the total of all amounts payable on the bond other than qualified stated interest. According to federal tax rules, if you acquired your fixed income security at a premium and make the required elections when you file your return, the premium is amortized annually using the constant yield method (also called the yield to maturity method) with semi-annual compounding. If you did not make the required elections, your gain or loss is the difference between your purchase price (as adjusted for wash sales and other required adjustments, if any) and your proceeds at disposition, making no premium adjustments. These rules apply to securities issued at par and to OID securities acquired on the secondary market at price greater than their maturity value. Fidelity calculates amortized premium (and makes corresponding adjustments to the cost basis it provides) using the yield-to-maturity method. For tax-exempt securities, amortization of premium is required and is not deductible from taxable income. For taxable bonds, a tax election may be required in order to amortize premium, and the current year’s amortized premium may be deductible from taxable income. The amortized premium amounts and adjusted cost basis Fidelity provides may not reflect all adjustments necessary for tax reporting purposes. It may not be applicable if you have not made an appropriate tax election or if you are using an alternative amortization calculation method. Review prior adjustments that you have made, and consult your tax advisor and IRS Publication 550, Investment Income and Expenses, for additional information.

Amount

• In Account History


• In brokerage or mutual fund account history, the total amount for a transaction including any commission.


• In annuity account history, the amount for an annuity transaction.


• In college savings plan account history, this is the amount for a deposit or redemption transaction.


• In employee stock purchase plan history, the dollar value of a transaction.


• For Stop and Stop Limit Orders


• For buy stop loss and buy stop limit orders, the amount is the minimum price at which you are willing to buy, and must be above the last ask price.


• For buy limit orders, the amount is the maximum price at which you are willing to buy, and must be below the last ask price.


• For sell stop loss and sell stop limit orders, the amount is the maximum price at which you are willing to sell, and must be below the last bid price.


• For sell limit orders, the amount is the minimum price at which you are willing to sell, and must be above the last bid price.


• For Trailing Stop Orders


• For trailing stop orders, the amount is the dollar or percentage your trailing stop order’s stop price trails the market with a favorable move in the market. When the market is moving against you, the stop price does not change. Percentage-based orders must be whole percentage values and dollar-based trail amounts can be placed out to two decimals.


• Multi-leg Options


• On the multi-leg trading ticket, the difference between the buy and sell price for options in a complex option trading strategy, at which the trade executes. Used in conjunction with the Order Type field, this amount may be a credit or a debit.


• Trading and Tax


• For trades, the total amount for the order, excluding any commissions or fees.


• For tax information, the dollar amount of a payment or transaction.

Amount Available

The total amount that is available to withdraw. Refer to your plan rules for withdrawal availability and frequency.
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Amount Invested

The amount, in dollars, you intend to invest in a multi-leg options trading scenario. This figure will assist in determining the market value, units, cost per unit, and amount earned.

Amount Vested

The total amount, including your employer’s contributions, that is vested in your Fidelity NetBenefits^SM account (e.g., 403(b), 401(k), 457) according to your plan’s vesting rules.

AMT

See Federal Alternative Minimum Tax.

Analysis

This is an option for your portfolio on the Portfolio screen. This is also an option for one or more individual accounts. Select this option to display a Graphical View, Holdings Detail, and Historical Analysis for the securities in your portfolio or one or more individual accounts.

Annual Advisor Fee

For Portfolio Advisory Services (PAS), this is the annual fee for services provided by PASS. It is based on the total assets that the customer has invested with the Portfolio Advisory Service.

Annual Dividend

In a Company Profile, the annual distribution of earnings to shareholders as determined by the company’s board of directors.

Annual Dividend Yield

A company’s yearly dividend amount, shown as a percentage of its stock price.

Annual Income

Account owners’ annual income from all sources. For joint accounts indicate combined income.

Annual Rate and Yield

This is the annual dividends per share paid to shareholders in dollars.
 
It is calculated based upon the most recent actual dividend:

• For quarterly dividend-paying companies, latest quarterly dividend x 4


• For semi-annual dividend companies, multiply the latest semiannual dividend by 2


• For irregular dividend-payers, the last 12-month rate or the total dividend paid over the last 12 months

Annualized Rate of Return

Annualized Return shows how much your investments grew or declined — on average — each year of a multi-year period. For example, if a $100 investment returned 10% the first year and 10% the second year, its annualized return would be the average of the gains for both years — 10% — even though the total return over the entire time period would be 21%, as illustrated below:

• Starting value of the investment: $100


• Return after the first year: 10% ($110)


• Return after the second year: 10% ($121)


• Ending value of the investment: $121


• Annualized Rate of Return: 10%


• Compounded Cumulative Return on the investment: 21%

Annualized Return Rate (S&P Options Report)

A simulation of a return when calculated on a yearly basis. The return rate is multiplied by 365 then divided by the number of days until expiration. This return is always given for comparison purposes only.

Annuitization Date

The date when annuity income payments begin.

Annuity Asset Allocation Questionnaire

An online questionnaire and worksheet that can help you find an asset allocation that matches your investment needs.

Arms Index (TRIN)

The Arms Index shows the relationship between stocks that are advancing or declining in price and the volume associated with these stocks. It is calculated by dividing the Advance/Decline Ratio by the Upside/Downside Ratio.
The Arms Index is a short-term trading tool. The goal of the indicator is to determine if volume is flowing into advancing or declining stocks and by what magnitude. The Arms Index was first published by Richard W. Arms, Jr. in 1967.
Typically, the Arms Index is interpreted as “Bullish” when it is below 1.0 and “Bearish” when it is above 1.0.

As Of

The date and, if applicable, time when the information displayed was calculated.

• Equities are typically priced real-time. If the current market price is unavailable or the market is closed, Fidelity will factor in the most recent closing market price to determine the closing market value.


• Mutual fund positions are priced after the official market close (typically between 5 p.m. and 6 p.m. ET) at which point your account is calculated using the new price and current shares for that position. If a sale or purchase of a mutual fund settles that day, the account value will be calculated using the new quantity the following day. During market open, mutual fund positions are priced as of the previous day’s market close.


• College Savings Portfolios are calculated using the prior business day’s closing price.


• Stock Plan values are calculated using the prior business day’s closing price.


• Annuities are priced as of the market close date on which the value per unit, income value, or withdrawal value for an annuity was last calculated.


• Brokerage account balances are updated real-time and display values that change with market price fluctuations on the underlying securities in your account. A recalculation takes place on your account, factoring in price fluctuations of holdings/securities, trade executions, and money movement into or out of the account.


• Account balances containing only mutual fund positions or portfolios that are included in College Savings accounts are updated less frequently as they rely on transaction settlement periods for when money or shares are bought, sold, or transferred. Mutual fund distributions and capital gains can affect your account value and typically have a 1-3 business day settlement period before your account is updated.


• If a trade has recently been made in your Fidelity^® Personalized Portfolio account, the value of your positions after market hours may be calculated using the previous day’s share quantity and may not accurately reflect the true market value of your positions at this time. Any changes to your position holdings will be updated in your account around 4 AM EST.

As of Date, Time

The date and time that the displayed tax information was last calculated.

Ask

See Ask Price.
For Extended Hours session (Premarket or After Hour session) quotes, this is the best asking price* at which someone who owns shares of a stock is willing to sell through the ECN in which Fidelity participates.
* Extended Hours quotes obtained from Fidelity.com will only reflect the prices available in the ECN, linked ECNs and Nasdaq’s SelectNet, when available.
For Premarket and After Hours session trade orders, the ask price source is the ECN and Extended Hours session displays as the source on trade order verification screens.

Ask Exchange

The exchange or market from which the ask price was quoted (e.g., NYSE, Nasdaq)
For Fidelity variable annuity investment option quotes, this information is not applicable and N/A displays in the Ask Exchange field.

Ask Orders

The list of the top (lowest price) ten offers to sell a security during a Premarket or After Hours session.
The list displays only on the Order Book quote screen.
For each order in the Ask Orders list, the following information is displayed from left to right:

• ECN


• Shares (the number of shares in the order)

Ask Price

The price a seller is willing to accept for a security.

Ask Quantity

The increments offered at the ask price.
For Premarket and After Hours session quotes, refer to Quantity.
For Fidelity variable annuity investment option quotes, this information is not applicable and N/A displays in the Ask Quantity field.

Ask Size

The number of round lots (100 shares per lot) offered at the ask price. For example, if this field displays 20, that represents 20 round lots (100 shares per lot) or 2000 shares.
For Extended Hours session (Premarket or After Hours session) quotes, this is the total number of shares at which investors who own shares of a stock are willing to sell through the ECN in which Fidelity participates*. For example, an ask size of 500 could be the total of 100 and 400 shares that two different shareholders are willing to sell at the quoted ask price.
* Extended Hours quotes obtained from Fidelity.com will only reflect the prices available in the ECN, linked ECNs and Nasdaq’s SelectNet, when available.
For Fidelity variable annuity investment option quotes, this information is not applicable and N/A displays in the Ask Size field.

Ask Yield

Ask yield reflects the lower of the yield to maturity, yield to call or the yield to pre-refunded date.

Asset Allocation

Asset Allocation is the diversification of investments across categories of assets (asset classes) such as short-term investments, stocks and bonds, as well as other assets including real estate, precious metals, and collectibles.
Different asset classes tend to offer different return and risk tradeoffs. Generally the greater the stock allocation, the greater the potential for long-term returns and the greater the risk of volatility and losses, especially over the short term.
In your Retirement Income Portfolio, asset allocation is the allocation of your retirement assets among different classes of investments, including equities, bonds, short term, unknown, and other. Classes of holdings, including underlying holdings of mutual funds and deferred annuities, is based on information from independent providers of financial information including Morningstar, Inc.

Asset Allocation Holdings Detail

Asset Allocation is the diversification of investments across categories of assets (asset classes) such as short-term investments, stocks and bonds, as well as other assets including real estate, precious metals, and collectibles.
Different asset classes tend to offer different return and risk tradeoffs. Generally the greater the stock allocation, the greater the potential for long-term returns and the greater the risk of volatility and losses, especially over the short term.
In a portfolio or account analysis, the Holdings Detail screen shows the dollar amount of securities by asset class in your portfolio or one or more selected accounts. The dollar amounts also include underlying securities in mutual funds that are held in stocks, bonds, and short-term investments as well as two additional categories, other and unknown.
All dollar amounts are as of the date and time shown on the Control Panel.

Asset Class

A type of investment, such as, stocks, bonds, and short-term investments.
In a portfolio or account Asset Allocation analysis, there are two additional asset classes, unknown and other.
Asset classes can be further divided into sub-categories or sub-asset classes. For example, stocks can be categorized as domestic or foreign, value or growth or blend, and small cap, mid cap or large cap. Bond investments can be categorized into tax-advantaged municipal and taxable bonds.

Asset Withdrawal

The process of drawing on your Retirement Income Portfolio to fund your retirement. Asset withdrawal is calculated by subtracting your spending from your non-investment income. A positive number represents a surplus rather than a withdrawal.

Asset Withdrawal Rate

This rate is calculated by annualizing (multiplying by 12) your average asset withdrawal for the past 12 months and dividing that number by your Retirement Income Portfolio’s ending value for the current period.

Assigned Return Rate

The potential return from selling an option if the stock price is in the exercisable range. In the case of a covered call, this return would include the premium from the sold option and any profit/loss on the covering stock position and assumes the stock price is higher than the strike price. This calculation does not include margin and is not annualized.
In the case of a calendar spread, this is the percentage return for the position if the short term option is In The Money at expiration and the longer term option is exercised to cover the trade.

Attributes

Important considerations or features an investor should consider before purchasing a bond. Examples include whether the bond has Call Protection (i.e., is non-callable), or whether it has had recent Material Events (municipal bonds) or Issuer Events (Corporates and Agencies).

Auction Close Date

For new issue, Treasury auction bills, bonds, and notes, and Agency/GSE bonds, this is the date on which the auction ends.

Auction Date

For Treasury auction and Agency/GSE auction securities (e.g., bonds, bills, etc), this is the date on which the bonds will be offered and the Dutch auction will be held.

Authorized Accounts

This is a list of accounts that the account owner has authorized you to access. Online on Fidelity.com, only brokerage, eligible mutual fund, and stock compensation plan accounts are shown. However, if the account owner has authorized you to access other types of accounts they own, you can do so by calling a Fidelity representative at 800-544-6666.
If more than one account owner has authorized you to access their accounts, you will see all accounts for all account owners listed together under the Authorized Accounts section of the Portfolio screen.
If you are authorized to access another person’s accounts, the Show Other Accounts option displays on the Portfolio screen. Select this option to display the authorized accounts in addition to the accounts you own.

Auto Roll

Subscribing to the Auto Roll Program provides customers with the ability to purchase certain eligible: 1) Treasury Auction securities and/or 2) New Issue FDIC-Insured Certificates of Deposit (“CDs”) and have the proceeds of the principal of these securities at maturity automatically be used to purchase a similar auction/new-issue instrument. This Auto Roll feature will continue to purchase a new security at the maturity of the older security unless the customer cancels the feature for that security or there is a material change to the treasury auction schedule or Fidelity is unable to find a replacement new issue CD that meets the initial size, duration and coupon frequency criteria of the maturing security. See Auto Roll Program.

Automatic Account Builder (Fidelity Automatic Account Builder®) (FAAB)

This account feature is used to set up a schedule of fund transfers from a bank account to purchase shares in your Fidelity mutual fund account or in your brokerage account’s core account.
* Only displays for brokerage and eligible mutual fund accounts.

Automatic Account Builder Amount (Fidelity Automatic Account Builder®) (FAAB)

The amount that is automatically transferred from a designated bank account and used to purchase shares in a mutual fund or a brokerage account’s core account.
The FAAB Amount field only displays for a brokerage or an eligible mutual fund account if the account has the FAAB feature.

Automatic Account Builder Frequency (Fidelity Automatic Account Builder®) (FAAB)
The months during which fund transfers from a designated bank account are used to purchase shares in a mutual fund or a brokerage account’s core account.
Transfers can be monthly or quarterly.

• If transfers are monthly, Monthly displays


• If transfers are quarterly, the months when the transfers will occur are listed

Automatic Re-Enrollment

In an employee stock purchase plan, the procedure by which your payroll deduction amount is automatically carried over from the current offering period to the next offering period. Payroll deduction amounts will continue to be withheld for any subsequent offering period based on the most current offering period election. You may suspend their payroll deduction withholding at any time by reducing your payroll deduction amount to zero.

Available Balance

For eligible mutual fund accounts, the account’s market value less any checks paid during the current business day. This balance does not reflect checks received by Fidelity during the current business day.

Available Credit (Credit Card)

Your current credit line minus your current outstanding balance, including authorized but unposted transactions (Temporary Authorizations).

Available Quantity

This is the current number of shares in a tax lot. The number of tax lot shares you specify cannot be greater than the available quantity.

Available to Withdraw

The total amount collected and available for immediate withdrawal. This balance includes both Core Money Market and other Fidelity Money Market funds held in the account, as well as the amount available to borrow generated from securities held in margin. This balance does not include deposits that have not cleared.
Proceeds from sell orders are reflected in this balance on settlement date. Withdrawals that exceed the cash in the account by using loan value generated from positions held in margin will increase the margin debit balance in the account.

Average Annual Return

The average total return for an investment including any interest, dividends, capital gains, etc. over a specific period of time.
On the Historical Analysis screen, the average annual return is for the asset-allocation mix that is shown.
The analysis uses your portfolio or one or more selected accounts to calculate asset-allocation mix percentages. Then, the historical performance information is calculated for the percentages using securities that are tracked in general market indexes.

Average Annual Total Return

Average annual total return is a hypothetical rate of return that, if achieved annually, would have produced the same cumulative total return if performance had been constant over the entire period. Average annual total returns smooth out variation in performance; they are not the same as actual year-by-year results.

Average Cost Double – Category

See ACDC.

Average Cost Single – Category

See ACSC.

Average Coupon Rate

The weighted average coupon rates of all the bonds in the ladder.

Average Daily Share Volume

Average Daily Volume is the monthly average of the cumulative trading volume during the last 3 months divided by 22 days.

Average 5-Year Predicted EPS Growth Rate

The average of all future long-term earnings growth estimates from contributing brokers.

Average High Low for the Day

This is a fair market value that displays for an order to exercise stock options. This value means that your stock option plan uses the average price for the stock on the day when your stock option exercise order is executed to calculate the:

• Taxable gain


• Withholding taxes for non-qualified stock options


• Alternative minimum tax (AMT) for incentive stock options

Average Maturity — Years

The weighted average maturity for the bonds in the ladder.

Average Price

The weighted average price of the bonds in the ladder.

Average Tax Equivalent Yield

The average tax equivalent yield of all bonds in the ladder (including existing positions).

Average Volume

The average trade volume calculated over a given period of time.

Average Yield

The weighted average yield to maturity for the bonds in the ladder.
When searching the bond inventory, this amount represents the average yield for all securities offered by Fidelity, which meet the search criteria entered for a particular ladder.

Award

A form of compensation, such as a Restricted Stock Award (RSA), offered by some companies to reward employee performance.

Award Agreement

A contractual document between an employer and an employee setting forth the employee’s rights and obligations as a recipient of a Restricted Stock Award under the employer’s equity compensation plans.

Award Cost Per Share

The cost, per share or unit, associated with a Restricted Stock Award (RSA).

Award Date

The date on which an issuer (e.g., your company) awarded you restricted stock awards.

Award ID

The unique number that identifies a particular restricted stock award.

Award Price

The total cost of the award per share.

Awards Canceled/Forfeited/Declined

Grants that were awarded and then canceled prior to vesting.

Awards Granted

The total number of shares or units granted in a restricted stock award.

Awards Vested

The number of shares or units in a restricted stock award that have vested and paid.

Awards Vesting

The number of shares or units in a restricted stock award that are scheduled to vest on a vesting date.

Z

While Treasuries are not generally issued as zero-coupon bonds, the remaining coupon interest payments can be stripped from the principal to make up multiple zero-coupon bonds. These bonds can then be trade as independent, negotiable zero-coupon securities.
Although accumulated interest is not paid until maturity, the interest is taxable yearly.

Y

• $ – the most recent annual earnings per share (EPS) consensus estimate, an average of all the contributing brokers’ annual estimates


• % – the percentage change in the annual estimated earnings per share as compared to the actual figure of the previous year

Year Ended MMM YY (Following Fiscal Year)
The year shown in a Company Profile is the fiscal year to be announced following the current un-reported fiscal year. The fiscal year is the accounting period of the company at which the books are closed and profit or loss is determined.

• $ – the following annual earnings per share (EPS) consensus estimate, an average of all the contributing brokers’ annual estimates


• % – the percentage change in the following year’s annual estimated EPS as compared to the current annual estimated EPS

Year High
The highest price at which a security has traded during the current year.

Year Low
The lowest price at which a security has traded during the current year.

Year To Date Sales
The positions that have closed during the previous calendar year.

Yield
The percentage rate of return scheduled to be paid on a security in annual dividends.
Yield stated is the Yield to Worst—the yield to maturity if the worst possible bond repayment takes place, reflecting the lower of the yield to maturity or the yield to call based on the previous evening.
If a bond is quoted to call date, interest rates have declined and the bond’s issuer is likely to call the bond on the next call date if it is favorable to the issuer’s interests. If a bond is called, the bondholder’s interest payments cease and the principal is returned as of call date. If the bondholder seeks to reinvest this principal in a similar bond issue, he will likely have to accept a lower yield (and lower interest payments) consistent with prevailing interest rates. Not all bonds are callable.

Yield Based Upon
This field shows at what point in time the rate of return on your investment was calculated (e.g., at maturity).

Yield Curve
A yield curve is the relationship between interest rates and time, determined by plotting the yields of all default-free coupon bonds against their maturities. The yield curve typically slopes upward since longer maturities normally have higher yields, although it can be flat or even inverted.
In the context of the Fixed Income Search Results scatter graph several interpolated yield curves are shown for different fixed income product types and credit qualities. (See Yield Curve: Treasury; Yield Curve: Corp AAA/AA; Yield Curve: Corp A; Yield Curve: BBB; Yield Curve Muni GO).
The yield curves are based on bonds that Fidelity recognizes and are not equal to the entire universe of bonds, is significantly larger than the number of bonds offered by Fidelity on any given day. For municipal bonds the yield curve the curve is the AAA General Obligation yield curve provided by a third party: Municipal Market Advisors or MMA.
An interpolated yield curve is an approximation of the yield curve where the yield and maturity gaps are filled using regression or other mathematical fitting methods. The interpolated yield curve is a smooth curve that allows determining the yield corresponding to a given maturity. We use regression (least-squares estimation) to compute the interpolated yield curves.
The yield curves are presented for informational purposes only. Fidelity cannot be held liable for this information.

Yield Curve: Corporate A
The interpolated yield curve for corporate bonds rated from A+ to A- by S&P, or from A1 to A3 by Moody’s.

Yield Curve: Corporate AAA/AA
The interpolated yield curve for the highest quality U.S. Corporate bonds. In this instance containing bonds, rated from AAA to AA- by S&P, and/or from Aaa to Aa3 by Moody’s.

Yield Curve: Corporate BBB
The interpolated yield curve for corporate bonds rated from BBB+ to BBB- by S&P, or from Baa1 to Baa3 by Moody’s.

Yield Curve: Municipal General Obligation/Muni AAA G.O.
The interpolated yield curve for Municipal AAA-rated General Obligation bonds. The source for this yield curve is Municipal Market Advisors or MMA.

Yield Curve: Treasury
The most well known yield curve is the US Treasury yield curve which is based upon several hundred actively trading US Treasury bonds.

Yield Limit
When trading secondary market or new issue fixed income offerings, the yield limit is the lowest annual yield at which you are willing to buy the securities.

Yield Range
This is a range within which the yield for a new issue, fixed income offering (e.g., bond) is expected to be set. Yield is the annual percentage rate of return on an investment.
For an indication of interest, either the yield range or price range is displayed.
In Bond Ladders, shows the range of yields for all bonds meeting your criteria for the rung that are offered by Fidelity. This is not a benchmark, nor does it represent the universe of securities which would meet the criteria.

Yield to Call
The yield on a bond assuming the bond will be redeemed by the issuer on a specified call date.
If a bond is quoted to call date, interest rates have declined and the bond’s issuer is likely to call the bond on the next call date if it is favorable to the issuer’s interests. If a bond is called, the bond holder’s interest payments cease and the principal is returned as of call date. If the bond holder seeks to reinvest this principal in a similar bond issue, he will likely have to accept a lower yield (and lower interest payments) consistent with prevailing interest rates.

Yield to Maturity
The rate of return an investor receives if an investment (e.g., a bond) is held to the investment’s maturity date.

Yield to Next Par Call
The yield on a bond assuming the bond will be redeemed by the issuer on the next call date where the bond can be called at par.

Yield to Worst
The yield to maturity if the worst possible bond repayment takes place, reflecting the lower of the yield to maturity or the yield to call based on the previous evening.

Yield Type
On fixed income (e.g., bond) search results screens, this is the type of yield the yield value shown represents. For example:

• C = Yield to call


• M = Yield to maturity


• P = Yield to Next Par Call


• R = Pre-Refunded (pre-refunded appears for municipal securities only)


• W = Yield to Worst

YTD %
The percent gain or loss that the portfolio has achieved over the Year To Date (YTD) period. Refer to the “as of” date to determine the exact period.

You Are Out
An order status alert that indicates your attempt to cancel an open order was successful. The order was canceled before any shares were traded.

You Are Stopped
An order status alert that indicates a specialist on the exchange floor guarantees a specific execution price for your order. Your order has been stopped temporarily while the specialist is checking to see if a better price is available. Your order will execute at the originally guaranteed price or better.

W

The Wash Sale Rule prevents an investor from obtaining the benefit of a tax loss without having reduced the investment. Under the rule, the loss is treated as “washed” when the new shares are acquired. The holding period of the original shares is added to the cost basis of the reacquired shares and is deferred until the reacquired shares are sold.

Watch List
A list of securities you want to track. You can include stocks, mutual funds, money markets, options, and indexes in a watch list. You can create up to 15 watch lists and each watch list can have up to 50 securities. The 15 watch lists include any you might have created using the Watch List feature under the Research tab as well as those you created using Fidelity Active Trader Pro^® and Alerts.

Watch List Name
The name you give a watch list and that is displayed when you view a watch list. Watch lists displayed using Watch Lists on Fidelity.com can have a name up to 25 characters in length. Watch lists created using other features can have names that are longer. If you view a watch list with a name that is longer than 25 characters, the first 23 characters display with the suffix -a (e.g., My early retirement wat-a).
Also, now that all of your watch lists are available regardless of the feature you used to add them (e.g., add watch lists using Fidelity Active Trader Pro^® and Fidelity.com) it is possible that you may have watch lists with the same name causing duplicate watch list names. Watch lists with duplicate names display with the -a suffix.

Williams % R
Williams %R is a momentum indicator that measures overbought and oversold (bullish) levels.
When the indicator reaches the levels of 80-100 it suggests the security is oversold. Conversely, readings in the 0-20 range signal overbought (bearish) conditions.
The Williams %R indicator in BigCharts references the following default parameter: Number of Bars – 10 Bars.

Wilshire 4500
Wilshire 4500 is a market capitalization-weighted index of approximately 6,500 U.S. equity securities. The Wilshire 4500 includes all the stocks in the Wilshire 5000 except for stocks included in the S&P 500.

Withdrawal Amount
This field signifies the dollar amount to be redeemed and distributed from the specified account. This represents the gross redemption amount. The amount you actually receive will be the amount after any federal tax withholding, state tax withholding, and applicable fees are deducted.

Withdrawal Expiration Date
The end of the period of time during which you can withdraw from an Income Advantage annuity.

Withdrawal Method
When requesting an IRA distribution, withdrawal method refers to the way in which the proceeds from the withdrawal are to be distributed. Depending upon your eligibility, the following options display:

• Directed to non-retirement Fidelity account


• Generally, the proceeds from the withdrawal will be available the next business day.


• Directed to your bank using Fidelity Electronic Funds Transfer


• Generally, the proceeds from an IRA withdrawal will be available in 1 to 3 business days.


• Sent by check to mailing address


• Generally, you will receive the check within 5 to 7 business days.

Withdrawal Type
The withdrawal type that displays on the Withdraw Money from Your IRA screens depends upon your date of birth. There are several types of withdrawals that can be requested on Fidelity.com:

• Normal, if you are age 59 1/2 or over


• Early, if you are under age 59 1/2


• Early due to disability, if you are under age 59 ½ and disabled (Note: You must satisfy the IRS definition of disabled).


• Distribution due to Death, if you were listed as the beneficiary on an IRA. In this case, you will be requesting a withdrawal from a Beneficiary Distribution Account.


• Distributions due to death are not subject to the 10% premature distribution penalty even if you are under age 59 1/2 and request this type of distribution.

Withdraw From
This field signifies the account from which the funds will be redeemed and distributed.

Withdrawn this Contract Year

The total amount you have withdrawn in the Current Contract Year.

U

• First Oscillator Time Period: 7 Bars


• Second Oscillator Time Period: 14 Bars


• Third Oscillator Time Period: 28 Bars

Unaccepted Awards
Restricted stock awards that you have not yet accepted or declined.

Unaccepted Grants
Performance shares/units that you have not yet accepted or declined. You must accept a grant before it begins to vest.

Unaccepted Options
The number of stock options, including options that are vested and unvested, that have been granted to you and have not yet been accepted or declined.

Unaccepted Rights
Grants that have not been accepted or declined. A participant must accept an awarded grant before he or she can exercise it.

Uncollected Shares
The total number of shares that have not settled as of the date and time displayed.

Underlying Move
The percentage by which you believe the underlying equity or index will move during the life of the options. Underlying Move may be a positive or negative number. It will help determine the potential profit realized on the multi-leg option trading strategies you selected.

Underlying Ratings
Bond ratings are provided by Moody’s and S&P which indicate each organization’s assessment of the relative credit risk of the issuer of a Municipal bond. The higher the rating the better the rating agency feels about the relative credit risk of the issuer and its financial strength. In the case of insured municipal bonds, evaluating the rating of the insurer as well as the issuer provides a more complete assessment of the relative credit risk of that bond. If we do not receive an underlying rating, dashes will be displayed.

Underlying Security
Securities that must be delivered if stock options are executed.
For portfolio or account analysis, this refers to dollar amounts and percentages for securities held in your accounts and mutual funds.

Underlying Security’s Full Name
Name of the underlying security for an option contract (e.g., International Business Machines for option symbol -ibmkk).

Underlying Security’s Option Symbol
The option symbol used to identify a security so that you can trade or quote it. Option symbols begin with a dash (-) and consist of three parts: the underlying security’s symbol, the expiration month, and the strike price.

Underlying Symbol
The trading symbol for the equity or index you would like to use as the basis for your multi-leg option inquiry.

Underlying Volume
For options contracts, the number of shares for the option’s underlying stock or index traded during the current day on all exchanges where the security is traded.

Under Water
A stock option for which the option’s grant price is higher than the current market price for the underlying stock.

Unexercised Stock Options
This refers to a stock option that has vested, but has not yet been exercised.

Unexercised Stock Options Account
This is a stock compensation plan account containing information about all of your stock option grants. These grants include those that are unvested and that are vested.

Units
This refers to one of the following:

• For an annuity, this is the number of units owned for an investment option


• For a College Savings Plan account, this refers to how much of a portfolio (e.g., Unique Portfolio 2015, DE Portfolio 2018) or the number of units, that were bought or sold for a College Savings Plan account

Units Canceled/Forfeited/Declined
Performance shares/units that were awarded and then canceled prior to payment.

Unknown
For a portfolio or account analysis, Unknown represents securities for which investment details such as industry sector information or the asset class are not known by or are unavailable from the third party that provides the information. Select Learn More About Analysis at the top of the analysis screens for more information.

Unpaired Positions
The stock, convertible bond, or convertible preferred positions that are not currently paired with any option position.

Unpriced Position Exists
A position is considered unpriced when the price per share for a security held in the position is not available or has not been set. For example, on the day you buy shares in a mutual fund, the position may be unpriced until the next business day (for example, mutual funds are generally priced after the close of trading each business day—they are unpriced until then). This balance field is only displayed if the account has an unpriced position.
For example, on the day you buy shares in a mutual fund, the position may be unpriced until the next business day (e.g., since mutual funds are generally priced after the close of trading each business day, they are unpriced until then). This field only displays if the account has an unpriced position.

Unrealized Gain/Loss
The hypothetical value of the gain or loss that would be realized if shares were sold at the indicated price.
Note: Fidelity provides cost basis and associated realized gain and loss information to you as a courtesy service. Such information may not reflect all adjustments necessary for tax reporting purposes. You should verify cost basis and corresponding gain/loss information provided by Fidelity against your own records when calculating reportable gain or loss resulting from a sale. Fidelity does not report cost basis information to the IRS and is not responsible for the accuracy of cost basis and gain/loss information you may be required to report to federal, state, and other taxing authorities. Fidelity makes no warranties with respect to, and specifically disclaims any liability arising out of your use of, or any tax position taken in reliance upon, Fidelity-provided cost basis and gain/loss information. Consult your tax advisor for further information.

Unrealized Gain/Loss %
The hypothetical percent gain or loss that would be realized if shares were sold at the indicated price. Calculated as: Unrealized Gain or Loss/Cost Basis.
If displayed in green, this figure represents an unrealized gain; if displayed in red, an unrealized loss.

Unrealized Net Change
Percent comparison between the Current Market Value of the position in the basket divided by the average cost of the positions in the basket.

Unrealized Net Change Dollar
For basket trading this is the Current Market Value minus the Basket Position Cost, and shown as a percentage. Green-colored text indicates a positive number and red-colored text indicates a negative number.

Unrealized Net Change %
Percent comparison between the Current Market Value of an individual position within a basket divided by the Basket Position Cost.

Unrealized Net Change Since Last Saved
Percent comparison between the Current Market Value of the positions in a Watch Basket divided by the Last Saved Market Value of the positions in a Watch Basket.

Unrecaptured Section 1250 Capital Gains
The distributions from a real estate investment trust (REIT) or by a mutual fund that invests in REITs that are treated as a recapture of the depreciation and subject to federal income tax at a rate of 25%.

Unsettled Trades
An unsettled trade is a trade for which payment has not yet been received. In Account Balances, the Unsettled Trades field displays the value of all unsettled trades that will either be credited to (positive value) or debited from (negative value) the Core Money Market at trade settlement (this value does not include today’s trade activity).

Unspecified Shares
This is the number of shares in an order for which you have not specified tax lots shares to trade.
Note that any unspecified shares are traded using the First in/First out (FIFO) accounting method.

Unvested
The quantity and value of restricted stock awards or restricted stock units which you have accepted but which have not yet vested.

Unvested Options
The total number of stock options per grant that are not yet eligible for exercise.

Unvested Rights
The total number of stock appreciation rights per grant that are not yet eligible for exercise.

Unvested Stock Options
This is the number of stock options from your original grant that have not yet vested. As a result, they cannot be exercised at the current time.

Updated Total
An updated quantity of shares that includes any quantity changes that result from intraday trade or exchange activity.

Update Pending
This message indicates that there is an update to cost information pending based on a previously submitted request. \Note that all cost updates are processed during a nightly “systems-batch” cycle and will be displayed the following business day.

Updates Pending
An indicator of whether there is an update of cost basis information in process for a position. The pending update may have been initiated by you, your authorized agent, or if requested by you, a Fidelity representative.
Possible values:

• No:  No changes have been made to cost basis information for these shares during the last business day.


• Yes:  A change has been made to cost basis information for these shares, but the change has not yet taken effect.

Up/Down Ratio
The upside/downside ratio shows the relationship between the volume of advancing issues and the volume of declining issues.
The upside volume is simply the sum of all volume associated with stocks that closed up in price while downside volume is the sum of all volume associated with stocks that closed down in price.
Martin Zweig, in his book Winning On Wall Street, states, “Every bull market in history, and many good intermediate advances, have been launched with a buying stampede that included one or more 9-to-1 bars” (referring to a day when the upside/downside ratio exceeds 9).
BigCharts calculates the upside/downside ratio for all markets and automatically selects the appropriate market indicator for your focus security.
For example, if you are analyzing a chart on IBM which trades on the NYSE, and you choose the Up/Down Ratio indicator, the system will automatically apply the upside/downside ratio for the NYSE.

Upper Indicators
Choose from several popular technical indicators. The indicators are:

• Bollinger Bands


• Parabolic SAR


• MA Envelopes


• Volume by Price


• Price Channel


• Show Splits


• Show Earnings


• Show Dividends


• Show All Events


• A/D Line

Use of Proceeds
In the context of Municipal Bonds, the area or activities to which the funds raised from the bond issue will be directed, and in turn, be the source of future bond repayments. In the context of General Obligation Bonds, funds raised may be for general purposes, both operating and infrastructure. Future interest payments are in turn secured by the (general) taxing power of the issuer—usually a state, town, or city. Revenue bonds will be categorized under terms such as “Utilities” or “Transportation” to denote both the use to which the funds will be put, and to indicate the source of future interest and principal repayments.

T

TAM Balanced
A steady combination of domestic and some foreign stocks, offset by bonds and T-Bills. Indexes in this benchmark are the Wilshire 5000 (45%), MSCI EAFE (5%), LB Aggregate Bond (40%), and 3-Month T-Bill (10%).

TAM Conservative
Half bonds and T-Bills, half domestic equity. Indexes in this benchmark are the Wilshire 5000 (20%), LB Aggregate Bond (50%), and 3-Month T-Bill (30%).

TAM Growth
Emphasizing stocks and growth, this benchmark includes the Wilshire 5000 (60%), MSCI EAFE (10%), LB Aggregate (25%), 3-Month T-Bill (5%) indexes.

TAM Most Agressive
Our most growth-oriented benchmark tracks U.S. equities with the Wilshire 5000 (80%) and Asian and Australian equities with the MSCI EAFE (20%) indexes.

TAM Short-Term
This index is made up entirely of 3-month Treasury Bills.

Target Asset Mix
You selected your target asset mix (TAM) in the planning session when you created your plan of record. Your TAM defines the asset allocation you want to follow to support your retirement goals. Your TAM should reflect your tolerance for risk, and helps protect you from the effects of inflation and adverse market conditions.

Target Dividends
The number of dividends received from your employer based on your target awards granted.

Target %
The percent gain or loss that the portfolio has achieved over the previous specified period of time. Refer to the as-of date to determine the exact period. Fidelity Portfolio Advisory Service^SM and Fidelity Private Portfolio Service^SM use target portfolios. The performance of customer’s portfolios may be similar to that of these models, depending on the risk tolerance, fund composition, tax-sensitivity, and time horizon.

Target Profit
The minimum percent return on investment you hope to achieve using a given underlying and strategy.

Target Shares/Units
The number of shares/units granted to you in a performance award grant.

Target Year
The final year in which the fund plans to support the Smart Payment Program’s payment strategy and distribute monthly payments. Shortly after its end date, each fund will be liquidated and distribute remaining assets to shareholders. For investors who have elected to receive monthly payments, all principal and earnings will have been paid out by the end of the target year.

Taxable Equivalent Yield
The interest rate which must be received on a taxable security to provide the holder the same after-tax return as that earned on a tax-exempt security.

Taxable Income
The dollar amount of any transaction that is subject to taxation:

• For an order to exercise non-qualified stock options, the total amount of the order’s proceeds subject to taxation (e.g., federal, state, local, social security, Medicare, etc.).


• For an employee stock purchase plan that is not a Section 423 Plan, the taxable income on a stock purchase. The amount is calculated as (fair market value – ESPP purchase price) x total shares acquired.


• For restricted stock awards, the fair market value multiplied by the number of awards vesting after subtracting the cost of award.

Taxes
An estimate of the income tax that would be withheld when an exercise and sell or an exercise and hold order for non-qualified stock options executes. Actual taxes at time of order execution may be different. This may also describe an estimate of the taxes due when your restricted stock awards (RSAs) vest.

Taxes Withheld
The total amount of tax withheld at the time the Restricted Stock Award vests. The taxes withheld are not necessarily the taxes due on the award.

Tax-Exempt Income
Tax-exempt income refers to interest from municipal bonds as well as distributions from mutual funds that qualify as exempt interest dividends and are generally not taxable for regular federal income tax purposes. Fidelity reports this information to the IRS, and may be required to report the information to tax authorities in California among other states. The total amount or a portion of tax-exempt income (reported as Specified Private Activity Bond Interest) must be taken into account in computing the federal alternative minimum tax applicable to individuals and may be subject to state and local taxes. You are required to report tax-exempt income on Form 1040, and may be required to report it on your state tax return as well.

Tax Filing State
When requesting an IRA distribution, this is the state’s law that is used to determine whether or not Fidelity must withhold state tax from your distribution and, if so, how much should be withheld. This is also the state that will be sent your state tax withholding amount and should be where you file taxes pertaining to your IRA.
Fidelity uses the state from your legal address on file with Fidelity for this purpose. If you do not have a legal address on file, then the state from your mailing address is used to determine the state tax withholding requirements for your IRA distribution.
State tax withholding laws vary by state. When you enter a request for an IRA distribution, the applicable state tax information and options display for your state of legal residence.

Tax Lot
A tax lot is a record of the details of a purchase or acquisition of a security.
Each acquisition of a security on a different date or for a different price constitutes a new tax lot.
Tax lots record cost basis information for your positions.

Tax Lots Choose Specific Shares
This field displays on trade order entry screens for stocks, options, and mutual funds. If you select this field, you will be able to specify the tax lot shares to trade.
The Tax Lots Choose Specific Shares field is only available for eligible accounts and if you select a valid action for the order. Valid stock order actions are Sell and Buy to Cover. Valid option order actions are Sell to Close and Buy to Close.

Tax Withholding Method
Depending on plan rules, you can fulfill your tax withholding obligations either by netting shares or paying cash (depositing funds).

Tax Year
The tax year for which you want to make an annual IRA contribution. A prior tax year contribution may only be made between January 1 and April 15 (generally). A current tax year contribution may be made from January 1 to December 31.
Effective January 1, 2002, annual IRA contribution limits have increased for the 2002 tax year and beyond.
On a tax information screen, tax year refers to the year for which you want to view tax information.

TBA Indication
Indicator used to describe if the mortgage backed security may be the subect of a delayed delivery contract when certain terms of the contract such as pool number are not known at the time of the trade date.

10 Yr. %
The percent gain or loss that the portfolio has achieved over the previous ten-year period. Refer to the “as of” date to determine the exact period.

Term
An indicator of how long a security position or lot was held.
Possible values:

• Long: The shares were held for more than 1 year.


• Non-Reportable: The lot or position was closed as the result of a transaction other than a sale. No reportable gain/loss was reported, and consequently the holding period and resulting term are not reported.


• Short: The shares were held 1 year or less.


• Unknown: Fidelity does not know how long the shares were held. This state typically exists because the shares were transferred to Fidelity from another institution and the holding period prior to the transfer is not known.

Term to Maturity
For a Certificate of Deposit (CD), this is the number of months or years from the date it was issued to the maturity date. For example, 6 months.

TEY
Income from municipal bonds is generally exempt from federal, state and local income taxes, depending on the issuer and the state in which you live. The tax equivalent yield (TEY) shows the after tax yield on municipals to give it a more accurate comparison to similar taxable investments.

Theta
The rate of change in an option’s theoretical value for a one-day change to the option’s expiration date. Theta quantifies time decay, which describes how the theoretical value of an option erodes or reduces with the passage of time.
Example:      A position theta of 0.07 means that for every one-unit change in time to expiration, the combined option value would rise/fall by $0.07.

Theoretical P/L
Shows the potential outcomes of a strategy, where dollars of profit or loss are graphed on the vertical axis and various stock prices are graphed on the horizontal axis.

Thinly Traded Securities
Securities for which there are few offers to buy and sell.

Third-Party Price
The most recent closing price for a bond provided from a third-party source.

Third-Party Providers
Fidelity’s fixed income inventory is composed of offerings from Fidelity Capital Markets and from other third-party providers.
Fidelity may source bonds directly from national and regional broker dealers or use national and regional broker dealers that are affiliated with the BondDesk, Knight BondPoint and The MuniCenter offering platforms. In all cases third-party inventory offerings are denoted with an asterisk * next to the issuer name. Inventory not marked with an asterisk is Fidelity Capital Markets’ owned inventory. 
Note that Fidelity’s combined inventory will generally not represent the universe of outstanding securities of a given bond type.

Third-Party Sources
In the context of the Bond Search Results Scatter Graph, Fidelity uses a variety of data sources from various third-party sources including:

• Closing prices provided by IDC – itself sourced from IDC and other market participants.


• Credit ratings information from S&P and Moody’s.


• Inventory Offer prices from Fidelity Capital Markets and other broker dealers both on and off the BondDesk and The MuniCenter platforms.


• Calculations developed by Fidelity Brokerage Services LLC, member NYSE, SIPC, and Strategic Advisers Inc., a registered investment adviser and a Fidelity Investments Company.

30/360
An interest formula used for municipal, corporate and agency bonds, where interest accrues as if the year has 360 days and the month has 30 days.

30 Day Yield %
Based on yield to maturity of a fund’s investments over a 30-day period, and not on the dividends paid by the fund, which may differ.

3 Month %
The percent gain or loss that the portfolio has achieved over the previous three-month period. Refer to the “as of” date to determine the exact period.

3 Yr. %
The percent gain or loss that the portfolio has achieved over the previous three-year period. Refer to the “as of” date to determine the exact period.

Tick
The upward [+] or downward [-] movement in price for a security from it’s previous closing price.

Ticker Symbol
A series of letters (or a single letter) used to identify a security.

TIGRS
See Treasury Income Growth Receipts (TIGRS).

Time
Select the time period you would like charted from the drop-down box labeled Time. The 1-day, 2-days, and 5-days options use intraday pricing data and the remaining choices use end-of-day pricing.
Note: If you would like to chart all data available in the BigCharts database on a given symbol, select All Data from the list.

Time and Tick
A method used to help calculate whether or not a day trade margin call should be issued against a margin account.  With this method, only open positions are used to calculate a day trade margin call.
Note: For example, assume a day trade buying power of $90,000.  If you traded in the following sequence, you would not incur a day trade margin call: buy $90,000 of IBM (the open position), sell it for $90,000 (close the position), and then buy $90,000 of IBM again.  However, if you bought $80,000 if DELL while the $90,000 IBM position was open, you would have $170,000 in open positions, which would exceed your buying power.  As a result, a day trade margin call would be issued.

Time in Force
A time limitation that can be placed on the execution of an order.
Time in force limitations include:

• Day


• Good ’til Canceled


• Fill or Kill


• Immediate or Cancel


• On the Open


• On the Close

• During the Premarket and After Hours sessions, only the Day or Immediate or Cancel time-in-force limitations are permitted


• To exercise and sell stock options, only the Good ’Til Cancel and Day time-in-force limitations are permitted


• To sell short and for fixed-income orders (e.g., bond and CD orders), only the Day time-in-force limitation is permitted

Time in Years
On the Historical Analysis screen, this is the best and worst market returns for up to a 35 year period.

Title
The headline for a news article. Click a headline to display the entire article.

To
These are the target destinations for a transaction to transfer money or shares, that is the account into which money or shares will be transferred. For any transfer of money or shares, always select the account to transfer from before you select the account to transfer to.
The list of entities displayed as possible targets for a transfer depend on what type of account is selected as the source or from account.

To Account
The account number or account number and name of the account to which cash or shares are being transferred. This account information is displayed for verification and confirmation of all money transfers or shares transfers.

Today’s Change

The Today’s Change total provides a sum of price changes for positions that have already changed price today. For each position that changed price today (highlighted in yellow on positions-related screens), the change in price between previous market close and the most recent price is used to determine Change Since Last Close. The sum of all Change Since Last Close dollar values for all positions that changed price today is Today’s Change.
Because stock prices are updated continuously from 9:30 a.m. to 4 p.m. ET during active trading, stocks impact Today’s Change more than mutual funds or fixed income securities. The prices of mutual funds and fixed income securities are updated less frequently, and do not always change on a daily basis. The Change in Securities Not Priced Today total provides a price change total for all positions that have not changed price today.
After market close, Today’s Change reflects the cumulative total of changes between today’s closing price and a previous closing price for your stocks, options, mutual funds, and bonds. Keep in mind that the price of many mutual funds is updated within several hours of market close (e.g., between 4 and 6 p.m., ET). When this update occurs, the change between the new price of the fund and the previous price of the fund will be reflected in your Today’s Change total. This total will be refreshed again before the next morning ET, such that your Today’s Change total will begin at zero when the market opens at 9:30 a.m. ET

Today’s Close
This is a fair market value option that displays on the Exercise Grant Order Entry screen for an order to exercise stock options. This value means that your stock option plan uses the price for the stock as of the market close on the day your stock exercise order executes to calculate the:

• Taxable gain


• Withholding taxes for non-qualified stock options


• Alternative minimum tax (AMT) for incentive stock options

Today’s Executed Transactions
The dollar amount of trades executed today. This value may include money movement into and out of the account. This amount combined with the amount Committed to Open Orders equal Buying Power Used or Cash Used.

Too Late to Cancel
An order status alert that indicates your attempt to cancel an open order was received too late, i.e., after the order was partially or completely executed.

Total Account Value
The total market value of all positions in the account, including Core Money Market, minus any outstanding debit balances and any amount required to cover short option positions that are in-the-money.

Total Annual Interest Income
The estimated annual interest payments received from all of the securities in a bond ladder, including existing positions.

Total Awards
The total number of Restricted Stock Awards per Award ID for each transaction being highlighted.

Total Balance

The total dollar amount of contributions to an Employee Stock Purchase Plan during a selected offering period. This amount is the sum of all your contributions and employer matching contributions, if any, for the period.
On the Stock Purchase Plan History screen, total balance is the sum of all total employee contributions and total company matching contributions for a specified offering period.

Total Balance for all Offering Periods

The total dollar value accumulated through payroll deductions during all offering periods in which you have participated in your Employee Stock Purchase Plan.
Or, the amount of cash that is currently held, but not yet invested in your Stock Purchase Plan.

Total Balances
A list of total contributions made through payroll deductions to an Employee Stock Purchase Plan. The list displays in the Summary of Active Offering Periods section of an Employee Stock Purchase Plan Summary screen, and shows one amount for each offering period which you participated.

Total Capital Gain Distributions
The sum of Total 28% Rate Capital Gains, Total Qualified 5-Year Gains, Total Unrecaptured Section 1250 Capital Gains, Total Section 1202 Capital Gains, and Total 20% Rate Capital Gains. This amount is shown on the Tax Information screen as Capital Gains Distribution.
On the Tax Information screen, this amount displays in the Capital Gains Distribution field.

Total Closing Market Value
The totaled cash value of all shares of all positions in this account.
The amount is calculated using the closing price and the number of shares in the positions.

Total Company Matching Contribution
The total dollar amount that the employer has contributed to an Employee Stock Purchase Plan for a selected offering period.

Total Company Matching Contribution Amount to Date
The dollar amount your company contributed to an Employee Stock Purchase Plan thus far in the current offering period as part of a matching funds program. This amount is displayed on the Estimate Purchase screen for the Plan and can be used to estimate the number of shares to be purchased during the offering period.

Total Cost
This is the total cost of exercising stock options that will be deducted from the proceeds when an order to exercise stock options executes. This is the total of the exercise cost, fees, commissions, plus the total amount of tax withheld, when applicable.

Total Cost Basis
The total cost basis or proceeds of all the shares in the position. Proceeds represent an amount received as the result of a short sale.
The amount is calculated using the quantity of shares and the cost basis per share.
On the Cost Basis screen, if this amount is not known, “Unknown” displays in the Total Cost Basis (Proceeds) column.

Total Cost Basis for Lot
The total dollar amount, including cost adjustments, paid for a lot in a position.
On the Update Cost Basis screen, enter a Total Cost Basis for Lot amount for each row of the form.

Total Cost of Ladder
This is total out of pocket cost, including accrued interest required to purchase the ladder that has been built. Any existing positions included in the ladder are not reflected in the cost.

Total Debt to Total Equity (MRQ)
In a Company Profile, this ratio is total debt for the most recent fiscal quarter (MRQ) by total shareholder equity for the same period.

Total Dividend Value
The total value of dividends received from your employer’s equity compensation program or restricted stock plan. This value is an accumulation of each dividend received to date.

Total Dollar Investment for Your Basket
The target total dollar amount that you want to invest in the basket. You must enter a minimum target amount of $2,000.

Total Employee Contribution
The dollar value of your contribution, through payroll deduction, to your employee stock purchase plan for an offering period.

Total Employee Contribution Amount to Date
The dollar amount you have contributed through payroll deductions to an employee stock purchase plan thus far in the current offering period as part of a matching funds program.

Total Employee Contribution Value
The dollar value of your contribution, through payroll deduction, to your Employee Stock Purchase Plan/Program in the corresponding offering period.

Total Employer Contribution Value
The dollar value of your employer’s contribution to your Stock Purchase Plan/Program in the corresponding offering period.

Total Equity
In a Company Profile, this is the sum of all the individual equity line items on the quarterly balance sheet.

Total ESPP Shares Purchased
The total number of shares acquired in single transaction during a selected offering period.

Total Income
The total income earned in the selected account for the selected tax year. This is the sum of Total Taxable Income and Total Nondividend and Tax-exempt Income.

Total Income Value
The value for an annuity had a payment been made on the date shown. The actual amount of the next income payment will depend upon the performance of the investment portfolios between now and the date of the next income payment. If the investment is the Fidelity Fixed Income or Guaranteed Account, this value does not apply.

Total Market Value
The current total balance of your Fidelity NetBenefits^® account including balances that are and are not vested and any balances in BrokerageLink accounts.
For bond ladders, this value is an indication of the total value of all of the securities that you own that are included in the ladder. The number is calculated based on last evening’s close. This is an indication of the value based on where the securities had traded on the previous day, however it is not necessarily the value you would receive if you sold them.

Total Money Market Value
For Fidelity NetBenefits^® accounts, this is the total balance of your NetBenefits account including balances that are and are not vested and any BrokerageLink accounts.