NetBenefits is Fidelity's online portal for managing workplace retirement and benefits accounts

Fidelity NetBenefits is a website and mobile app where you view and manage retirement savings accounts, health savings accounts (HSAs), flexible spending accounts (FSAs), and other workplace benefits that your employer offers through Fidelity. You log in with your username and password to see account balances, make investment changes, review statements, and update personal information — all in one place rather than hunting through separate websites.

The portal does not hold your money or make decisions for you. It is a tool your employer set up so you can monitor what is already yours and make changes when you need to. If your employer uses Fidelity to administer benefits, you will have a NetBenefits account whether you opened it yourself or not.

Key Takeaways

  • NetBenefits lets you view retirement account balances, HSA and FSA funds, and other workplace benefits in one login rather than multiple websites.
  • You can change how your retirement contributions are invested, update beneficiaries, and download tax documents directly from the portal.
  • If you do not remember your login, you can reset your password or create a new account using your Social Security number and employer information.
  • NetBenefits works on desktop and mobile, and Fidelity offers phone support if you get stuck or have questions about your accounts.

What you can do inside NetBenefits

Once you log in, you see a dashboard showing all accounts your employer set up through Fidelity. For a 401(k) or similar retirement plan, you can view your current balance, see how much you have contributed this year, and check how your investments are performing. You can also change how new contributions are invested — for example, moving money from one fund to another — without calling anyone.

If your employer offers an HSA or FSA, NetBenefits shows your balance, lets you submit claims for reimbursement, and tracks how much you have spent. You can upload receipts and documentation directly through the portal. For employees with stock purchase plans or other benefits, those accounts appear here too, with the same view-and-manage functions.

The portal also stores important documents. You can download your most recent statements, tax forms (like 1099-Rs for retirement distributions), and plan documents that explain the rules of your specific accounts. This saves time when you need paperwork for a loan application, tax filing, or just your own records.

How to log in or create an account

If your employer uses Fidelity, you should have received a welcome email or letter with instructions to set up your NetBenefits account. The email will include a link to create your username and password. You will need your Social Security number, date of birth, and employer information to complete setup.

If you have lost your login information, go to the NetBenefits homepage and select "Forgot username or password." You can reset your password using your email address, or create a new login if you never set one up. Fidelity will verify your identity by asking security questions or sending a code to your phone or email.

Once you are logged in, bookmark the page or save the app to your phone so you can check your accounts whenever you need to. Most people log in a few times a year to review statements or make changes during open enrollment.

Making investment changes in your retirement account

One of the most common reasons to log into NetBenefits is to change how your 401(k) or similar plan is invested. When you first enrolled, you chose funds — perhaps a target-date fund, a mix of stock and bond funds, or individual company funds. Over time, you may want to shift that mix or move money between funds.

NetBenefits lets you make these changes instantly without waiting for a phone call or form to process. You select the fund you want to move money from, enter the dollar amount or percentage, choose the destination fund, and confirm. The change usually takes effect the next business day. You can make as many changes as you want, though some plans limit how often you can trade in and out of certain funds.

If you are not sure which funds to choose, NetBenefits includes educational tools and fund descriptions. You can also call Fidelity's phone line to speak with someone who can walk you through your options — they cannot tell you what to do, but they can explain how each fund works and what the risks are.

Updating beneficiaries and personal information

NetBenefits lets you change who receives your account balance if you die. You can name or remove beneficiaries, change how the money is split among them, and update their contact information. This is important after major life events like marriage, divorce, or the birth of a child.

You can also update your address, phone number, and email through the portal. If you change employers but keep money in a Fidelity retirement account (called a rollover IRA), you can update your contact details so Fidelity knows where to send statements and tax forms.

Accessing tax documents and statements

At the end of each year, Fidelity sends tax documents for accounts that require them. A 401(k) distribution generates a 1099-R; an HSA generates a 1099-SA if you took money out. NetBenefits lets you download these forms as soon as they are ready, usually in January, rather than waiting for them to arrive by mail.

You can also view and download quarterly or annual statements showing your account balance, contributions, investment performance, and fees. Having these documents in one place makes tax time and financial planning much simpler. If you need a copy of an old statement, NetBenefits usually keeps several years of history available.

Getting help if you are stuck

If you cannot log in, do not understand a feature, or have questions about your accounts, Fidelity offers phone support. The number is usually on your statement or in the NetBenefits app. You can also use the chat feature inside the portal to message someone during business hours.

Common issues include forgotten passwords (which you can reset yourself), confusion about fund choices (which a phone representative can explain), and questions about how much you can contribute (which depends on your plan and your age). Fidelity staff can walk you through most tasks, though they cannot make decisions for you or tell you which investments to pick.

Frequently Asked Questions

Is NetBenefits the same as my employer's benefits website?

Not always. Your employer may have its own portal for health insurance, time off, and other benefits, while NetBenefits handles only retirement and savings accounts that Fidelity administers. Some employers link the two sites together so you can access everything from one login. Check your employer's benefits page to see which accounts live where.

Can I move money out of NetBenefits to my personal bank account?

It depends on the account type. With an HSA or FSA, you can request a reimbursement or debit card withdrawal. With a 401(k), you generally cannot withdraw money before age 59½ without penalties, except in specific hardship situations. NetBenefits will show you what options are available for your specific plan.

What happens to my NetBenefits account if I leave my job?

Your account stays open. You can leave the money where it is, roll it into an IRA, or move it to a new employer's plan if they accept rollovers. NetBenefits continues to let you view your balance and make investment changes. You will no longer be able to make new contributions, but you can still manage what you have.

Is NetBenefits secure?

Fidelity uses encryption and multi-factor authentication to protect your login and account information. You should use a strong, unique password and never share your login with anyone. If you see suspicious activity, contact Fidelity immediately through the phone number on your statement.

Can I use NetBenefits on my phone?

Yes. Fidelity offers a mobile app for both iPhone and Android that gives you the same features as the website — viewing balances, making investment changes, downloading documents, and contacting support. You log in with the same username and password you use on the desktop version.