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REDDIT

Making money with Fidelity exchange of funds

D
Feb 4, 2026 · 15:40

Just wondering if anyone has looked into this.

Fidelity offers one to exchange funds, sell from one fund, buy into another on the same day. They also list a funds top ten holdings.

Now imagine you own 2 funds with dissimilar holdings. On a day where the stocks in fund A is down, and the stocks in fund B are up you exchange from B into A. When the situation is reversed you do the same.

Assuming you want to play with 5k, and you only take advantage when the delta is 2% or more. Even if this occurs only 20 times during the year, it is a free $2,000.

Obviously you use a spreadsheet to do the math.