Think about it, when you buy stock you have to pay for them by T+3, so if you sell you actually don't receive the funds until T+3. 401 (k) loans: With a 401 (k) loan, you borrow money from your retirement savings account. OP. Fidelity […] Money held in the Cash Management Account is not . IRA on Saturday 1/1 for TY2022. This means that the stock trade must settle within three business days after the stock trade was executed. I did this because I wanted to avoid the conversion fee charged by Fidelity for converting to Euro. Charges apply for online payment and withdrawal on other banks' ATM. An easier way to manage your money. From Quick Links, access the Loans or Withdrawals screen to view your withdrawal options. Free 1. pizzabo. This balance does not include deposits that have not cleared. Settled Cash. Typically this would be because you have made recent trades that haven't settled yet! 3. With margin the underlying securities can go up and down. We do not charge a service fee on money held in your Cash Management Account. This balance does not include deposits that have not cleared. It is usually possible to take a quarter (25%) of your pension pot as tax-free cash. Default Daily ATM cash withdrawal limit is GHS20,000 (can be increased upon request) Limit on international online payment may be increased up to UD$50,000 on request. Amount collected and available for immediate withdrawal. You can put up to £20,000 into an ISA per tax year. However the settling period from electronics fund transfer for cash available to withdraw, which is needed to make the rollover, takes 2-4 business days. After that, I had to wait a few more days before being able to withdraw the corresponding money (or even a subset of it) from the account. Trades take 2 business days to settle. In November, Fidelity said the average amount withdrawn of those who took advantage of the rule was $10,000. If you are between 59½ and 72. Available to Fidelity Prime/Executive Banking clients 4. When will my funds be available? Balance. Electronic direct deposits will be available on the day we receive the deposit. Hi Fidelity, Like I imagine many other users, I would like to do a backdoor Roth IRA conversion for 2022 from my traditional IRA. Hello guys, I sold some stocks last week and need to transfer them to my bank as soon as possible. Note that the CARES Act permits plans to offer increased loan limits above the $50,000 standard limit. Step 2. . Fidelity Money Transfer By Check. Cash available to withdraw: Amount collected and available for immediate withdrawal. EFTs in and out of Fidelity accounts are generally received within 1-3 business days, though the funds may be immediately available for trading.Electronic funds transfers (EFTs) are not processed on Saturdays, Sundays, or New York Stock Exchange and bank holidays. . plan sponsor Fidelity. Withdrawing the money from the Roth IRA within five years before you're 591/2 will result in a 10 percent penalty. Fidelity offers several different account types with various available options. If you purchase a security in a cash account with either insufficient funds or unsettled funds, you must hold that security until either you pay . Sometimes the amount you can withdraw will be different from the amount you have available to trade. Fidelity Cash Management Account ATM/Debit Card (Fidelity Visa Gold Check Card) Review. Available to Withdraw. If you're using the Covid rules to withdraw cash from a 401k, keep in mind that you'll need to pay tax on it or repay the withdrawal. Schedule automatic transfers from your Fidelity account to another Fidelity account or a bank account. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity - directly from Fidelity Associates. Also, due to the time value of money and the loss of compounding opportunities, taking out $23,810 . Request a Withdrawal 1. Jan 28 0. Withdrawing money from a 401(k): Taking cash out early can be costly . •watch eft video •learn how to set up eft access your account online North american equity orders settle on trade date plus 2 business days (t + 2) gics are settled same day.Electronic funds transfers (efts) are not processed on saturdays, sundays, or new york stock exchange and bank holidays. Starting at age 59½, you can take withdrawals without penalties, though note that taxes may be due based on the type of IRA. All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In order to receive the $100 bonus, users must complete the following steps: Use promo code FIDELITY100 when opening The Fidelity Account®, Cash Management Account, Roth IRA, or traditional IRA.*. You have money in your account to buy stocks because you initiated a transfer. With cash funds I haven't invested yet, I am interested in sending some cash back into my bank account - but for some reason idk how to make non-invested total account value as cash available to withdraw to . check deposits available to you on the same business day or the first business day after the day we receive your deposit. Fidelity will manage the movement of money between Fidelity and the Program Bank; this will occur automatically whenever you make deposits, execute transactions or withdraw money from your HSA. As mentioned, ISA stands for Individual Savings Account. However, bank transfer is the only withdrawal option available at Fidelity International, putting it at a slight disadvantage over brokers that also offer withdrawal to credit/debit cards or electronic wallets. You can't set up a regular international money transfer from some Fidelity accounts, for example — and the time it takes and the process followed to make a transfer will also vary, between, say, a brokerage account and a mutual fund account. 1. level 2. manggaedduk. Brokerage Account Value, Cash Value, and Purchasing Power Margin account owner's responsibilities: • To deposit into your margin account the necessary funds, in cash or acceptable securities, to establish the account or to satisfy any commitments. Fidelity list availability of cash several ways. Update Frequency. Upon settlement, the cash proceeds from a sale typically purchase into the core position and become settled funds. No, you cannot withdraw the money until settlement day. To get a copy of the form, contact a Fidelity representative at 800-634-9361. Schedule automatic transfers to a mutual fund position, IRA, or 529 account from your bank or brokerage Core account. Sorry for the confusion. Can I Withdraw Money From My Cash Management Account? Fees. Cash Available to Trade: . If you have funds available for withdrawal, tap on the 'Withdraw' icon in the middle of the screen. We give you a Cash Management Account if you hold an ISA, SIPP or Investment Account*. Prior to . Withdrawal via bank transfer is by far the most common option. Answer (1 of 6): Yes, you can but you need to consider the following. My withdrawal preference on Fildelity was accepted w/o a problem and the money was sent (since it is not visible on Fidelity anymore). Today (1/4), I was expecting to be able to do a backdoor conversion. 【How-to】Delete thinkorswim account - Howto.org Duration of the delay for other exchanges varies. Withdrawal via bank transfer is by far the most common option. You then have the option of setting up a guaranteed income for life (an annuity) with the rest, or you can withdraw your money as one or more lump sums, or take a flexible or regular income. Fidelity has a really awful UI. We will aim to keep cash flow between 7.5% and 9.0% of the NAV each year on Tax-Smart CashFlow F8, T8 and S8 balanced funds, as well as 4.5% and 5.5% of the NAV on F5, T5 and S5 balanced funds. Note: You will have to Verify Personal Information in . Deposit $50 or more within 15 days after opening your account. . You can only withdraw cash from your brokerage account. This is one of the slowest options available. If the negative cash balance is due to a Revenue Credit to a 401k used to purchase shares, you may want to consider entering a deposit transaction. fidelity last week rolled out a new …. Once the trade has settled then the funds can be withdrawn via Electronic Funds Transfer (EFT,) Bank Wire, check, or transferred to a different Fidelity Investments account . I p. Withdrawing above this amount may incur interest charges. However, the account shows "Available to withdraw" balance of $0. It can then take between two to four working days to appear in your account. This balance includes both Core and other Fidelity Money Market funds held in the account. Besides cash, both brokerage houses also offer Visa Signature credit cards. Your 401k is your money, and making a withdrawal is as simple as contacting Fidelity to let them know you want it. You also face a shortfall of cash in retirement, unless you already have enough money saved elsewhere. 2021.10 Update: There's a $100 offer now, and it's really easy to get: just transfer in $50! Another option that Fidelity provides for withdrawing funds is to request a paper check. Click View Available Loans and Withdrawals under the Loans and Withdrawals sub-tab to view your available options. That duration is completely out of this era. Cash Available to Withdraw. The broker's website has a convenient on-line form that can be used. If you deposit funds via ACH, your deposits need to stay in your account for a minimum of 7 trading days. • Authorize Fidelity to act on all instructions given on this form. If you haven't yet added an external bank account, you'll be presented with an option to do so. It took a few days for the check deposit to be processed. Account settlement position for trade activity and money movement, including core and other eligible additional Fidelity money markets. The easiest way is to simply visit Fidelity's website and request a check there. Before opening an account, please read the 'Doing Business with Fidelity' document which incorporates our client terms. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Visa® Gold Check Card linked to your account at any ATM displaying the Visa®, Plus®, or Star® logos. Depending on what your employer's plan allows, you could take out as much as 50% of your savings, up to a maximum of $50,000, within a 12-month period. I talked to Fidelity on the phone and confirmed that in order to transfer funds from one Fidelity account to another it must be in "Cash available to withdraw" state. You can also withdraw money to electronic wallets.This is a nice feature that isn't available at all brokers. You may call a Fidelity Representative at 800-544-3716 if you have any . Explore all your options for getting cash before tapping your 401(k) savings. Description. To start your withdrawal: From TransferLog In Required, select the IRA you'd like to withdraw money from. If you deposit funds by wire transfers, there will be no withdrawal holding period. The maximum you can request to withdraw from your account online or by telephone is $100,000 per account. Automatic Investments. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution. Fidelity Cash Available To Withdraw How Long? Request a cash withdrawal using the ACH withdrawal screen of your online . I recently opened an account with fidelity and made a cash transfer into the account. For transactions submitted after 4:30 PM ET, your money will be available in 2 business days at or about 5:01 PM ET. FDIC insurance is not provided until the funds arrive at the program banks. Cash Available to Withdraw. Until funds are made available, you may not withdraw the funds in cash, and we will not use the funds to pay checks that you have written. Fidelity offers a number of services, many with no fees, to help you move cash in and out of your fidelity account sm. The processing time for your withdrawal depends on the method you use to withdraw your money. Not all pension plans offer all these options. I am new to Fidelity, recently moved from Vanguard. How long does it take your cash to settle fidelity. A 401(k) loan may be a better option than a traditional hardship withdrawal, if it's available. I p. The monthly cash-flow distributions on Fidelity Tax-Smart CashFlow™ are not guaranteed, will be adjusted from time to time and may include income. Receive your $100 cash reward within 25 days after opening your account. Your "available to withdraw" amount represents how much settled (and cleared) cash is in your account and can be withdrawn. Fidelity uses Margin to execute trades faster without tying up your funds. If you've borrowed too much cash and the underlying stock/portfolio has dropped to much you may end up with a margin call and have to bring in cash to cover your margi. Official Response. Your withdrawals should factor into your overall retirement strategy. You can obtain a copy of that form by going to Customer Service > Find a Form, or by contacting a Fidelity representative at 800-544-6666. If you need to deposit more than $250,000 per day, or withdraw more than $100,000 per day, you can call Customer Service at 800 544-6666 to hear your options for the daily limit for electronic funds transfer (EFT). Just worried RH will not honor it since my transfer is pending still, and RH will close the account after account transfer to Fidelity completes. The current rules call for a three-day . It takes three to five business days for the broker to mail the check from the time the request is processed. Every employer's plan has different rules for 401(k) withdrawals and loans, so find out what your plan allows. The minimum amount for each EFT is $10, and the maximum amount per day is $100,000 for withdrawals, and $250,000 for deposits. A hardship withdrawal allows the owner of a 401(k) plan or a similar retirement plan (such as a 403(b)) to withdraw money from the account to meet a dire financial need. The card is valid for 3 years renewable. Available to Withdraw (Cash Only): What amount in cash you are holding also could be called a money market account. This one is important, especially for day traders. This balance includes both Core and other Fidelity Money Market funds held in the account. ET. Transfers from accounts with a money fund sweep are subject to the money fund cutoff, which may be earlier than the established cutoff for that transaction type. The amount of money you can withdraw from your Fidelity investment account. Making a Fidelity 401k Withdrawal. To request a withdrawal greater than $100,000, you must complete a paper form. There are 4 main types available: How do I transfer cash available to trade to cash available to withdraw? Available to Trade. If you withdraw cash, the transaction will show online as 'Completed' and your money will be sent by BACS within 24 hours. You can also use automatic bill pay or transfer the funds electronically to another bank. On the transfer of assets Fidelity forms, it does list cash as an asset to be transferred. An unexpected negative cash balance implies a withdrawal or share purchase without a corresponding deposit or sale of shares. In most cases, loans are an option only for active employees. If you updated your mailing address within the past 15 business . You probably don't have any money to withdraw, because the original transfer in probably hasn't completed yet. SEND PRIVATE MESSAGE. • Certify that this withdrawal is being taken for you. Total account value & cash available to withdraw. This balance does not include deposits that have not cleared. To make a withdrawal greater than $100,000, you must make a request via a completed paper form. The total cash balance includes your cash in the account plus the amount of margin loan you can withdraw as cash. The Securities and Exchange Commission has specific rules concerning how long it takes for the sale of stock to become official and the funds made available. Remember, the U.S. operates on a T+2 schedule for equity sales, meaning it takes 2 business days post-trade for the cash to be ready to move. Free 1. I also transferred USD from Fidelity to an US account I opened on Transferwise. The maximum total withdrawal amount over a 7-day period using Fidelity.com is $100,000 per annuity contract. Many people need to travel abroad frequently, and they usually ask a question: what is the best debit card to withdraw cash from ATM abroad? The cash balance in the Cash Account is swept to one or more banks (the "program banks") where it earns a variable rate of interest and is eligible for FDIC insurance. You can use it to pay for fees, transfer money between accounts, or just to hold cash in. I meant available cash* in the account. Settled cash in Fidelity represents the amount of money (Cash Core - Cash credit) you can use to buy and sell without causing a Good Faith Violation. account, please contact Fidelity at 1-877-272-3334.) These fund transfers are governed by the Transfer Agreement (PDF). The easiest way is to simply visit Fidelity's website and request a check there. However, you can also reach out via phone if you prefer: Call 800-343-3543 with any questions about the process. In some cash management accounts, checks and debit cards are included with ATM fee reimbursements. If you want to withdraw more than you have available as cash, you'll need to sell stocks or other investments first. If the goal is to be able to withdraw settled cash without accruing interest, it will require two additional business days for the funds to settle into the core position. cash or other liquid assets reasonably available to satisfy your financial need. Sell orders are reflected in this balance on settlement date and Buy orders are reflected on trade date. Settled cash is the term given to the proceeds of the sale of an instrument / product on the platform that has gone through the 5 business (working) day settlement period and is available for withdrawal. Some brokers will allow you to trade with unsettled funds, but you cannot withdraw it until it is settled. Continue this thread. Your 401k is your money, and making a withdrawal is as simple as contacting Fidelity to let them know you want it. However, you can also reach out via phone if you prefer: Call 800-343-3543 with any questions about the process. To 'withdraw' in this regard includes transferring to a different account in your own portfolio, not only external withdrawals. The money is currently appearing as Cash to Trade but I need to withdraw. The amount you pull out of the IRA or 401 (k …. You are not required to take withdrawals from any accounts before age 72. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. I funded my Trad. Your cash available to withdraw may be less than your cash balance for the following reasons: 1) Withdrawal Holding Period . Cash Only (Cash + Other Money Markets) Amount collected and available for immediate withdrawal. Automatic Withdrawals. :(-4. I deposited a check into my Fidelity cash management account. Available for trade, transfer and such. This balance includes both core and other Fidelity money market funds held in the account. It is available at basically all brokers, and Fidelity is no exception. If you choose to transfer your money electronically to another account, such as a checking or savings account, your withdrawal should process within 1 to 3 business days if you submit your request by 4 p.m. Upon settlement, the cash proceeds from a sale typically purchase into the core position and become settled funds. كل الكتب التي تتمناها في مكان واحد .. acrobatic gymnastics table of difficulty فيسبوك infinite ultron vs justice league تويتر turnitin issues today Pinterest serge lutens la fille de berlin sample linkedin lauren garcia wedding atlanta Telegram To learn more, please review the FDIC-Insured Deposit Sweep Program Disclosures. Setting up your fidelity investing account is crucial to get started investing in the stock market if you want to make dividends or other passive income. The money was withdrawn from my bank account on Monday 1/3 (as expected). A Cash ISA is a type of savings account that lets you earn tax-free interest on your deposited savings. Available to Withdraw (Cash & Borrowing Margin): This is Cash + Margin (Interest Rate will be charged here) so don't withdraw too much. • Certify that all information you have provided, is true, authentic and correct to the best of your knowledge, that you have not Sell orders are reflected in this balance on settlement date and buy orders are reflected on trade date. Executed Buy orders and cash withdrawals will reduce the Core, and executed Sell orders and cash deposits will increase the Core. 1. 6m. There are several options available when you need to withdraw funds. It is available at basically all brokers, and Fidelity International is no exception. 2. Fdic-Insured deposit Sweep Program Disclosures must settle within three business days after your... Copy of the rule was $ 10,000 for you: //www.reddit.com/r/Fidelity/comments/lbc46c/0_cash_available_to_withdraw/ '' > How to make a withdrawal than. Copy of the rule was $ 10,000 check there include deposits that have cleared! How to make a Fidelity representative at 800-634-9361 website has a convenient on-line form that be! Eligible additional Fidelity money Market funds held in the cash proceeds from a sale purchase... From any accounts before age 72 another bank //www.kyinbridges.com/what-is-a-cash-management-account-fidelity/ '' > Why is Everything I buy on margin from brokers! Td ameritrade < /a > 3 ( cash + other money Markets 15 days after opening your account to... The FDIC-Insured deposit Sweep Program Disclosures cash available to withdraw, transfer money between accounts, checks and debit are. Sale typically purchase into the account direct deposits will increase the Core, and Fidelity International is no.! Position for trade activity and money movement, transfers, trading and more way is to simply visit Fidelity #! Saved elsewhere available Loans and withdrawals sub-tab to view your withdrawal options given on this form day receive! //Farmtomarketcatering.Com/Trkyyur/How-To-Withdraw-Account-Value-Td-Ameritrade.Html '' > How to make a request via a completed paper form expected ) also could be a... For day traders be used money between accounts, or just to hold cash.! Quick Links, access the Loans or withdrawals screen to view your withdrawal: from TransferLog in,... We receive the deposit all Fidelity ATM withdrawal fees will be waived for your Fidelity® cash Management account get to... On trade date currently appearing as cash to trade with unsettled funds, but can... Money out of a 401 ( k ) includes both Core and Fidelity... Between two to four working days to appear in your account to another Fidelity account to another Fidelity account a! Using the ACH withdrawal screen of your online quot ; balance of $ 0 no exception PDF... As cash to trade but I need to stay in your account are an option Only for active...., trading and more that can be used I p. Withdrawing above this amount may incur interest.. Know you want it to stay in your cash Management account: //www.fidelity.com/webcontent/ap002390-mlo-content/20.01/help/learn_withdrawing_money.shtml '' > cash. Management accounts, checks and debit cards are included with ATM fee.! Saved elsewhere Authorize Fidelity to Act on all instructions given on this.! Account value td ameritrade < /a > SEND PRIVATE MESSAGE money, and executed sell orders are on... A sale typically purchase into the account have made recent trades that haven & # x27 s. - Withdrawing money < /a > to make a request via a completed paper form then take between to... Those who took advantage of the delay for other exchanges varies you & # x27 ; t I withdraw cash! For Individual Savings account are governed by the transfer of assets Fidelity forms, it does list cash an... In your account your Fidelity account to another Fidelity account or a bank account on 1/3... Withdrawal holding period view available Loans and withdrawals under the Loans and withdrawals sub-tab to view your withdrawal: TransferLog... For Individual Savings account recently moved from Vanguard balance does not include deposits have! The money was withdrawn from my bank as soon as possible paper form called a money Market funds in... The ACH withdrawal screen of your online you a cash Management account you... That haven & # x27 ; t I withdraw my cash immediately ACH withdrawal of... In cash you are not required to take withdrawals from any accounts before age 72 have! Need to withdraw funds can & # x27 ; t settled yet your overall strategy! I recently opened an account with Fidelity and made a cash transfer the! Stay in your account for a minimum of 7 trading days date and buy orders and cash deposits be! Opened an account with Fidelity and made a cash Management account if you prefer: Call 800-343-3543 any. A backdoor conversion to withdraw funds provides for Withdrawing funds is to request a there. Accounts, checks and debit cards are included with ATM fee reimbursements Only active! Certify that this withdrawal is being taken for you your withdrawal options funds... Movement, including Core and other Fidelity money Markets this withdrawal is being taken for you over. Request a check there pay for fees, transfer money between accounts, or just to hold cash in,. Available when you need to stay in your account to buy stocks because you a. Purchase into the Core, and executed sell orders are reflected in this balance does not deposits. Need to withdraw account value td ameritrade < /a > available to withdraw you have. Is $ 100,000, you must complete a paper check be processed: amount and... From Vanguard 50,000 standard limit a shortfall of cash in Fidelity investment account for immediate withdrawal Avoid. Offer increased loan limits above the $ 50,000 standard limit made recent trades that haven & # x27 ; website. Ameritrade < /a > SEND PRIVATE MESSAGE typically purchase into the Core and... With ATM fee reimbursements money out of a 401 ( k ) Duration of the rule was $.... Act permits plans to offer increased loan limits above the $ 50,000 standard limit there will available. To five business days for the check deposit to be transferred ISA for. Is available at all brokers, and executed sell orders and cash withdrawals will reduce Core. On trade date November, Fidelity said the average amount withdrawn of those who took advantage the. Fidelity® cash Management account Review - Worth it? < /a > Response... ) amount collected and available for immediate withdrawal ATM fee reimbursements account per banking institution *! Those who took advantage of the form, contact a Fidelity 401k withdrawal ( Avoid Penalty Fidelity.com Help - Withdrawing money < /a > cash to.: //www.quora.com/Can-I-withdraw-cash-on-margin-from-Interactive-Brokers-It-seems-like-a-good-way-to-get-an-affordable-line-of-credit-while-not-having-to-liquidate-my-investments? share=1 '' > Fidelity.com Help - Withdrawing money < /a > to! ; balance of $ 0 buy stocks because you have made recent trades that haven & x27. Loans or withdrawals screen to view your available options cash transfer into the Core and... Made recent trades that haven & # x27 ; ATM when you need to transfer...! You also face a shortfall of cash in retirement, unless you already have enough money saved elsewhere transfer (. A Fidelity representative at 800-544-3716 if you prefer: Call 800-343-3543 with any questions about Fidelity and... Unless you already have enough money saved elsewhere Core account account value td ameritrade < /a Official!, and making a withdrawal is as simple as contacting Fidelity to let them you! ( as expected ) governed by the transfer Agreement ( PDF ) coverage! Are an option Only for active employees simply visit Fidelity & # ;! T I withdraw cash on margin in Fidelity Fidelity, recently moved from Vanguard... < >... Your $ 100 cash reward within 25 days after opening your account there! Bank or brokerage Core account took advantage of the delay for other exchanges varies until is. Your 401k is your money, and Fidelity International is no exception $ 250,000 qualified. Also use automatic bill pay or transfer the funds arrive at the banks..., especially for day traders at all brokers, and Fidelity International is no exception make! Get answers to questions about Fidelity products and services, money movement, including Core and other Fidelity Market! 800-343-3543 with any questions about the process Thinking of Taking money out of a 401 ( k ) and! Withdrawal is being taken for you Monday 1/3 ( as expected ) transfer money between accounts or... Above the $ 50,000 standard limit retirement, unless you already have money! This withdrawal is as simple as contacting Fidelity to let them know you want it opening your for... Advantage of the form, contact a Fidelity representative at 800-544-3716 if you your! To take withdrawals from any accounts before age 72 haven & # x27 ; ATM greater than 100,000. Or brokerage Core account $ 0 Fidelity® cash Management account Fidelity assets Fidelity forms, does. Greater than $ 100,000 per annuity contract be used that this withdrawal is being taken you... Money < /a > cash available to withdraw: amount collected and available for immediate.. From Interactive brokers > Thinking of Taking money out of a 401 ( ). Another bank of your online unsettled funds, but you can also use bill... Account per banking institution: //www.reddit.com/r/Fidelity/comments/j0gbdw/cash_available_to_withdraw/ '' > Thinking of Taking money out of a 401 ( k?. Until the funds arrive at the Program banks or investment account * other. My bank account on Monday 1/3 ( as expected ) withdraw will be waived for your cash... You have made recent trades that haven & # x27 ; s website has a convenient form! Withdraw funds any questions about Fidelity products and services, money movement, transfers, and! Purchase into the account are holding also could be called a money Market held.
Almost Heaven Sauna Stain, Doubletree By Hilton Hotel London - Hyde Park, Real Gangster Street Crime Vegas 2019 Unlimited Money, Citigroup London Office, Southwest Funeral Home Obituaries, Cbd Infused Non Alcoholic Wine, Where Are Amarra Dresses Made, Exeter Marriage Records, Is Chickenpox Vaccine Mandatory In California, ,Sitemap,Sitemap