CMA
Comerica Incorporated
stock NYSE

Hi! I'm 22F, income before tax is \~150k cash and \~150k tech stock (company has not yet IPOed, but we have internal liquidity events) per year, currently have \~200k making almost no interest in a savings account so I wanted to move it to fidelity. My plan is to have \~50k in a CMA in Fidelity Money Market and then for the remaining 150k put 100k in VOO and 50k in VXUS. Does this seem reasonable, or is it better at this age to just full send like 180k into VOO and keep the rest for emergency?
I'm only worried since from what I can tell S&P 500 is carried by tech stocks so investing in VOO is buying more tech stock. Then, if I also have tech stock from the company I work at I'm kind of putting all my eggs in one basket. Not sure if I should be worried about that or if it's okay to just hold and assume over time that all gets resolved. Let me know what you think.

Here are today's top after-hours performers showing the biggest moves after regular trading hours.
## 📈 After-Hours Gainers:
| Symbol | Company | After-Hours | Regular Hours | Change | %Change |
|:-------|:--------|:----------:|:-------------:|:------:|:-------:|
| [EFX](https://marketrodeo.com/asset/EFX) | Equifax Inc. | 227.29 | 212.25 | +15.04 | +7.08% |
| [BX](https://marketrodeo.com/asset/BX) | Blackstone Inc. | 170.74 | 162.65 | +8.09 | +4.98% |
| [MSTR](https://marketrodeo.com/asset/MSTR) | Strategy Inc | 165.28 | 157.97 | +7.31 | +4.63% |
| [RGC](https://marketrodeo.com/asset/RGC) | Regencell Bioscience Holdings Limited | 34.39 | 33.03 | +1.36 | +4.12% |
| [SMMT](https://marketrodeo.com/asset/SMMT) | Summit Therapeutics Inc. | 19.18 | 18.66 | +0.52 | +2.79% |
## 📉 After-Hours Losers:
| Symbol | Company | After-Hours | Regular Hours | Change | %Change |
|:-------|:--------|:----------:|:-------------:|:------:|:-------:|
| [MDT](https://marketrodeo.com/asset/MDT) | Medtronic plc | 93.63 | 100.31 | -6.68 | -6.66% |
| [SO](https://marketrodeo.com/asset/SO) | The Southern Company | 85.40 | 87.52 | -2.12 | -2.42% |
| [ORI](https://marketrodeo.com/asset/ORI) | Old Republic International Corporation | 41.70 | 42.56 | -0.86 | -2.02% |
| [FWONK](https://marketrodeo.com/asset/FWONK) | Formula One Group | 93.84 | 95.75 | -1.91 | -1.99% |
| [CMA](https://marketrodeo.com/asset/CMA) | Comerica Incorporated | 90.61 | 92.45 | -1.84 | -1.99% |
Source: [Market Extended Hours](https://marketrodeo.com/market-extended-hours)

So, the overdraft protection for CMA would NOT be affected either, correct? Thx!

fund traditional IRA with money that are fully settled/cleared for withdrawal - so get them in a taxable account in Fidelity, let them first be fully available for withdrawal ( transfer to Traditional IRA ) and then make your move ... *note though that I had $2K from the big amount not available for withdrawal in IRA yesterday ( Monday ) even IRA was funded from CMA with fully cleared money on Friday ... that $2K are fully available for withdrawal today ( Tuesday ) ... I assume it is a bug ... may be give Fidelity few more days before doing anything because last week was full of reports about some minor bugs and issues ... $0.02*

did you ever try to open a new account with Fidelity ? try to open a new CMA or plain brokerage account and see if you can do it ... if you can then you will have login working ... if not then you were really banned ... there is always a chance that you were not banned as a customer but simply lost login access because your CMA was formally terminated completely with $15 disbursed

Does Merrill allow you to connect your Fidelity CMA account?

Think of a CMA as a checking account. For savings I would open a brokerage account and just put my emergency fund there

Thanks u/FidelityLiz for the response! Since I only set up this recurring transfer in early December, January 2, 2026 would have been the first Friday where dividends were deposited into my CMA beforehand.
I’m going to wait and see what happens on 1/9 or by 1/13/2026 before following up, just to give the automatic transfer a fair chance to go through on its own.
I appreciate the insight, and I’ll update this thread with the outcome in case it helps anyone who runs into the same question later.

Thanks for bringing your experience to our attention here on the sub, u/octapolar. Please don't worry, you didn't mess up your Cash Management Account (CMA). I'll help explain what is occurring with that order, and how it will adjust in the next day or so.
Investors who purchase additional money market funds in their accounts, apart from their core position, will have the balance in those funds included in their "Available to Trade" balance. This ensures that the funds can be used to cover purchases if the core becomes depleted. However, when purchasing to move funds from your core to an additional money market fund, you'll want to make sure you place the trade for just the core cash, not the total "Available to Trade." This is because the account will use all the "Available to Trade" funds, and then, on settlement, which is Trade Date + 1, the money market will automatically liquidate to cover its own purchase. As you placed the order yesterday, you should see the excess balance liquidate from the Fidelity Treasury Only Money Market Fund (FDLXX) and your cash balance reflect the correct amount today.
Now, when it comes to recurring investments, you certainly can set up a plan to automatically invest in FDLXX or other investments every week. The plan is created with a set dollar amount in place, and if your purchase exceeds that dollar amount, you could end up in the same position, as the recurring investment will pull from your other money market funds to cover the investment amount. You can learn more about the recurring investment feature in our link below.
[Recurring Investments](https://www.fidelity.com/trading/recurring-investments)
Lastly, these trades should not impact the monthly yield calculation, as the interest rate yields are calculated based on the settled funds from trades, so as settlement will be occurring today, then the calculation will be based on today's value in the fund, and you'll receive interest on the other funds that were in your core position yesterday. I'm also including some more information about how your core position works in the FAQs below.
[Trading FAQs: About your Account](https://www.fidelity.com/trading/faqs-about-account)
I know that was a bit of information, so if you have any additional questions or need additional clarification, please let us know. We'll be here all week to help, and we appreciate you choosing Fidelity!

My experience has been nothing short of excellent. I’ve experienced outstanding customer service. Their breadth of account types (CMA, brokerage, business, HSA) have served me well.

CMA is the 'Cash Management Account'. It's basically a HYSA with a money fund (SPAXX) added to it that yields about 3.5%.
It has a checking component and it has a debit card.
You can buy and sell just about any equities, fixed income, ETF's in the CMA.
TOD, Roth IRA, IRA, CMA, HSA - I believe they all have SPAXX attached to it.

I’ve had great services with them for the last 2 years.
Currently I have a CMA, a Roth, and a 401k with my company. I also have the credit card, but that’s ran by a 3rd party.
Overall they’re solid. No ATM fee debit card, fractional shares, and I think their layout is okay (much better on a computer but I don’t have a huge problem with the mobile UI). Customer service is pretty good, although the text chat is sometimes spotty. I’ve never had a bad time with the phone calls, however.
I’d recommend it

>Well, then stop marketing CMA like a bank!
I wish they would.

Automatic transfer CMA earnings to Brokerage account

I recently opened a CMA to keep separate from my individual brokerage. I sold stock in my brokerage which resulted in cash proceeds. I transferred that cash to my CMA, where I would really like having FDLXX as my core position, but this isn't automated.
Instead, I placed an order for the "total available to trade" plus the cash proceeds. Now it looks like I have twice as much FDLXX value and trying to backtrack my Activity and Orders / Balances tab isn't clarifying things.
Is it possible I overdrafted my account?
Numbers:
CMA prior to transactions
$7k FDLXX
Transferred $1k cash
Placed order for $8k BUY FDLXX
CMA current state:
FDLXX current value $16k

To prevent this in the future and as a point of clarification, can I just place recurring purchases of FDLXX that exceed my anticipated weekly cash inflow?

This is what I ended up doing.
I created the individual CMA, then it allowed me to create the Joint one.
I then called Fidelity and had them close the Individual one.

As long as you go in understanding there are definitely risks it could be worth it for you. QQQI being based on the NASDAQ 100 index has a heavy tech tilt. If there are any events like liberation day or even the drawdown from November it could take some time to recover principal.
Personally I moved my emergency fund last year from a HYSA at Ally to fidelity CMA and leave about 40-50% in SPAXX as my core cash position. Then I spread out into a few of the NEOS cc funds such as QQQI, SPYI, CSHI, TLTI, etc. that varies the risk and diversifies the underlying exposure though still overall aggressive. A lot of people would consider this far too aggressive for an emergency fund but it works for me.

Their CMA has mobile check deposit or you can go to a branch

It's pretty abusive to market CMA as a bank-like thing and the punish people for using it like a bank. I don't know about anyone else, but for 46 years I've been using banks and credit unions to receive funds and then I disburse them to pay my bills. Why this is unexpected behavior for a "bank-like thing" is beyond me, I am aware of the scams of the past years. Well, then stop marketing CMA like a bank!

I bet the issue was : money in and immediate \[ as in as soon as they fully cleared, not same second \] wire out of the whole deposited amount ... we might not like it, but then we are not forced to use Fidelity accounts \[ be it CMA o non CMA brokerage \] for such business ... we can only wish Fidelity to be less welcoming people who come in to do pure banking and warn them \[ of course to the max extent possible by laws and regulation \] about implications of transactions resembling money bouncing ...