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The Income Management Account (IMA) Details page provides detailed information on your account's change in value over the past 30 days, as well as up to 18 months of cash flow information in a detailed chart and table.
Dividend and Interest Income is cash you selected to have directed into your Income Management Account (IMA) using an Earnings Personal Withdrawal Service (PWS) plan. It also includes dividend and interest income accruing to any positions held in your IMA.
You can establish Personal Withdrawal Service by visiting Accounts & Trade > Update Accounts/Features and clicking Automatic Withdrawals. If you need help with a Personal Withdrawal Service change, contact your service specialist at 800-544-6666.
Personal Withdrawal Service cannot be set up on Fidelity record-kept workplace savings accounts or on any non-Fidelity accounts.
The Additions From Your Portfolio figure represents any assets (cash or shares) transferred via direct deposits using special routing codes, TOA, Electronic Funds Transfer into your Income Management Account from accounts outside Fidelity, and transfers from accounts inside Fidelity.
The Reinvestments To Your Portfolio figure represents cash transferred from your Income Management Account to any other Fidelity accounts, and wire transfers and direct debit transfers using a special routing code to non-Fidelity accounts.
If your non-investment income exceeded your spending over the last 30 days, the cash flow section displays a positive amount (surplus) for Asset Withdrawal, which represents a replenishment of the assets in your IMA
If your spending exceeded non-investment income over the last 30 days, the cash flow section displays a negative amount (gap) for Asset Withdrawal. The gap amount represents the dollars covered by withdrawing assets from your IMA. IMA customers who depend on their assets to supplement their non-investment income will usually be in this situation.
The change in market value is the difference in the market value of securities held in the IMA between the beginning and ending dates. When the IMA consists of only money market mutual funds, this amount will generally be zero.
Spending is the total of all outflows from your Income Management Account (checks, bill payments, check requests, credit or debit card purchases, ATM withdrawals, or Electronic Funds Transfer or PWS transfers to your bank) for the calendar month, as per statement month-end data. Spending excludes reinvestments to your Retirement Income Portfolio.
Non-investment Income is the total of all inflows into the Income Management Account, except dividend and interest income and additions from your Retirement Income Portfolio. Non-investment income includes income from pensions, social security, income annuities, checks you deposit, other direct deposits, and other sources. These amounts are categorized based on cash received by ACH direct deposit. It may include transfers of principal. The entire amount listed may not be taxable income and may not reflect adjustments necessary for tax reporting purposes. Non-investment income is reported for the calendar month, and reflects your statement month-end data.
To be reported under the proper category, non-investment income such as Social Security and pension income must be directed using the Income Management Account ACH direct deposit instructions. If you need help setting up ACH direct deposit, contact your service specialist at 800-544-6666.
Asset withdrawal is calculated as total non-investment income less total spending amounts. Asset withdrawal covers the gap that occurs when spending exceeds non-investment income. If non-investment income exceeds spending for the calendar month, asset withdrawal for the month is shown as zero in the chart and table, but the actual surplus is used in calculating the rolling averages of the monthly asset withdrawal amount.
The planned asset withdrawal amount is taken from your Retirement Income plan of record.
The 12-month averages are rolling averages, calculated by adding the amounts for the previous 12 months and dividing by 12. You must have at least 12 full months of data available to see the 12-month averages.
The Cash Flow chart is displayed only if you have at least one month of account activity.