# EDGAR Filing Document

**Accession Number:** 0000354046
**File Stem:** 0000035402-26-001229
**Filing Date:** 2026-2
**Character Count:** 20661
**Document Hash:** 50a849aa6759ee048f7876b3e87dd7b6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000035402-26-001229.hdr.sgml**: 20260224

**ACCESSION NUMBER**: 0000035402-26-001229

**CONFORMED SUBMISSION TYPE**: NPORT-P

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260224

**DATE AS OF CHANGE**: 20260224

**PERIOD START**: 20260930

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FIDELITY CHARLES STREET TRUST
- **CENTRAL INDEX KEY:** 0000354046

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 0930

**FILING VALUES:**
- **FORM TYPE:** NPORT-P
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-03221
- **FILM NUMBER:** 26670332

**BUSINESS ADDRESS:**
- **STREET 1:** 245 SUMMER STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02210
- **BUSINESS PHONE:** 617-563-7000

**MAIL ADDRESS:**
- **STREET 1:** 245 SUMMER STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02210

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FIDELITY U S GOVERNMENT RESERVES FUND
- **DATE OF NAME CHANGE:** 19880201

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FIDELITY FEDERAL RESERVES
- **DATE OF NAME CHANGE:** 19820215

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FIDELITY UNITED STATES TREASURY TRUST
- **DATE OF NAME CHANGE:** 19811020

## Series and Classes Contracts Data

### Fidelity Health Savings Fund (Series ID: S000067946)

| Class ID   | Class Name                   | Ticker Symbol   |
|:---|:---|:---|
| C000217845 | Class K                      | FHLKX           |
| C000217846 | Fidelity Health Savings Fund | FHLSX           |

## Nport-Ex

**Quarterly Holdings Report**

**for**

**Fidelity® Health Savings Fund**

**December 31, 2025**

HSF-NPRT1-0226

1.9897532.105 ---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Domestic Equity Funds - 22.1%** | &nbsp;&nbsp;**Domestic Equity Funds - 22.1%** | &nbsp;&nbsp;**Domestic Equity Funds - 22.1%** |
|  | Shares | Value ($)<br>|
| Fidelity Blue Chip Growth ETF (a) | 13526 | 741766 |
| Fidelity Commodity Strategy Central Fund (b) | 26642 | 2593308 |
| Fidelity Enhanced Large Cap Value ETF (a) | 5367 | 186020 |
| Fidelity Enhanced Mid Cap ETF (a) | 8470 | 308139 |
| Fidelity Enhanced Small Cap ETF (a) | 22772 | 860326 |
| Fidelity Fundamental Small-Mid Cap ETF (a) | 12050 | 369814 |
| Fidelity U.S. Equity Central Fund (b) | 67719 | 9876069 |
| <br> **TOTAL DOMESTIC EQUITY FUNDS**<br> (Cost $12,451,847) |  | **14935442** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fixed-Income Funds - 41.8%** | &nbsp;&nbsp;**Fixed-Income Funds - 41.8%** | &nbsp;&nbsp;**Fixed-Income Funds - 41.8%** |
|  | Shares | Value ($)<br>|
| Fidelity High Income Central Fund (b) | 8852 | 979611 |
| Fidelity Inflation-Protected Bond Index Fund (a) | 318625 | 2905860 |
| Fidelity International Bond Index Fund (a) | 1096710 | 10056832 |
| Fidelity Investment Grade Bond Central Fund (b) | 144020 | 14338625 |
| <br> **TOTAL FIXED-INCOME FUNDS**<br> (Cost $28,325,374) |  | **28280928** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**International Equity Funds - 18.3%** | &nbsp;&nbsp;**International Equity Funds - 18.3%** | &nbsp;&nbsp;**International Equity Funds - 18.3%** |
|  | Shares | Value ($)<br>|
| Fidelity Emerging Markets Equity Central Fund (b) | 16368 | 4707403 |
| Fidelity International Equity Central Fund (b) | 64192 | 7693428 |
| <br> **TOTAL INTERNATIONAL EQUITY FUNDS**<br> (Cost $9,231,848) |  | **12400831** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Short-Term Funds - 10.0%** | &nbsp;&nbsp;**Short-Term Funds - 10.0%** | &nbsp;&nbsp;**Short-Term Funds - 10.0%** |
|  | Shares | Value ($)<br>|
| Fidelity Short-Term Bond Fund (a)<br>(Cost $6,702,822)<br>| 791879 | **6754731** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Money Market Funds - 7.8%** | &nbsp;&nbsp;**Money Market Funds - 7.8%** | &nbsp;&nbsp;**Money Market Funds - 7.8%** | &nbsp;&nbsp;**Money Market Funds - 7.8%** |
|  | Yield (%) | Shares | Value ($)<br>|
| Fidelity Cash Central Fund (c)<br>(Cost $5,282,705)<br>| 3.79 | 5281649 | **5282706** |

---

---

| | |
|:---|:---|
| <br> **TOTAL INVESTMENT IN SECURITIES - 100.0%**<br> (Cost $61,994,596)<br>| <br>**67654638** |
| **NET OTHER ASSETS (LIABILITIES) - 0.0%**  | **(2802)** |
| **NET ASSETS - 100.0%** | **67651836** |

---

**Security Type Abbreviations**

ETF - EXCHANGE-TRADED FUND

**Legend**

(a) Affiliated fund.

(b) Affiliated fund that is generally available only to investment companies and other accounts managed by Fidelity Investments. A complete unaudited schedule of portfolio holdings for each Fidelity Central Fund is filed with the SEC for the first and third quarters of each fiscal year on Form N-PORT and is available upon request or at the SEC's website at www.sec.gov. An unaudited holdings listing for the Fund, which presents direct holdings as well as the pro-rata share of securities and other investments held indirectly through its investment in underlying non-money market Fidelity Central Funds, other than the Commodity Strategy Central Fund, is available at fidelity.com and/or institutional.fidelity.com, as applicable. In addition, each Fidelity Central Fund's financial statements are available on the SEC's website or upon request.

(c) Affiliated fund that is generally available only to investment companies and other accounts managed by Fidelity Investments. The rate quoted is the annualized seven-day yield of the fund at period end. A complete unaudited listing of the fund's holdings as of its most recent quarter end is available upon request. In addition, each Fidelity Central Fund's financial statements are available on the SEC's website or upon request.

**Affiliated Central Funds**

Fiscal year to date information regarding the Fund's investments in Fidelity Central Funds, including the ownership percentage, is presented below.

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Affiliate  | Value,<br> beginning<br> of period ($) | Purchases ($) | Sales<br> Proceeds ($) | Dividend<br> Income ($) | Realized<br> Gain (loss) ($) | Change in<br> Unrealized<br> appreciation<br> (depreciation) ($) | Value,<br> end<br> of period ($) | <br>Shares,<br> end<br> of period  | % ownership,<br> end<br> of period |
| Fidelity Cash Central Fund | 5772044 | 189005 | 678344 | 56498 | 1 | - | 5282706 | 5281649 | 0.0% |
| Fidelity Commodity Strategy Central Fund | 2346873 | 184134 | 32177 | 35643 | 310 | 94168 | 2593308 | 26642 | 0.6% |
| Fidelity Emerging Markets Equity Central Fund | 4711412 | 92434 | 306573 | 51967 | 19935 | 190195 | 4707403 | 16368 | 0.1% |
| Fidelity High Income Central Fund | 282246 | 813414 | 119498 | 9066 | 4672 | (1223) | 979611 | 8852 | 0.1% |
| Fidelity International Equity Central Fund | 8086813 | 575220 | 659837 | 507746 | 147920 | (456688) | 7693428 | 64192 | 0.1% |
| Fidelity Investment Grade Bond Central Fund | 13702367 | 1229064 | 568899 | 153810 | (831) | (23076) | 14338625 | 144020 | 0.0% |
| Fidelity U.S. Equity Central Fund | 9129702 | 1518724 | 156965 | 1004977 | (1033) | (614359) | 9876069 | 67719 | 0.0% |
| Total | 44031457 | 4601995 | 2522293 | 1819707 | 170974 | (810983) | 45471150 |  |  |

---

Amounts in the dividend income column in the above table include any capital gain distributions from underlying funds.

**Affiliated Underlying Funds**

Fiscal year to date information regarding the Fund's investments in affiliated underlying funds is presented below. Exchanges between classes of the same affiliated underlying funds may occur. If an underlying fund changes its name, the name presented below is the name in effect at period end.

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Affiliate  | Value,<br> beginning<br> of period ($) | Purchases ($) | Sales<br> Proceeds ($) | Dividend<br> Income ($) | Realized<br> Gain (loss) ($) | Change in<br> Unrealized<br> appreciation<br> (depreciation) ($) | Value,<br> end<br> of period ($) | <br>Shares,<br> end<br> of period |
| Fidelity Blue Chip Growth ETF | 684004 | 43041 | - | 271 | - | 14721 | 741766 | 13526 |
| Fidelity Enhanced Large Cap Value ETF | 170701 | 11483 | 2276 | 773 | 60 | 6052 | 186020 | 5367 |
| Fidelity Enhanced Mid Cap ETF | 283561 | 25636 | 3416 | 898 | 33 | 2325 | 308139 | 8470 |
| Fidelity Enhanced Small Cap ETF | 799055 | 41834 | 8150 | 1913 | 168 | 27419 | 860326 | 22772 |
| Fidelity Fundamental Small-Mid Cap ETF | 342487 | 19624 | 10581 | 482 | 491 | 17793 | 369814 | 12050 |
| Fidelity Inflation-Protected Bond Index Fund | 3440675 | 118187 | 565795 | 90139 | 7861 | (95068) | 2905860 | 318625 |
| Fidelity International Bond Index Fund | 9963344 | 460715 | 131584 | 281464 | (401) | (235242) | 10056832 | 1096710 |
| Fidelity Short-Term Bond Fund | 6664432 | 215320 | 124996 | 75187 | (33) | 8 | 6754731 | 791879 |
|  | 22348259 | 935840 | 846798 | 451127 | 8179 | (261992) | 22183488 |  |

---

Amounts in the dividend income column in the above table include any capital gain distributions from underlying funds.

**Investment Valuation**

Investments are valued as of 4:00 p.m. Eastern time on the last calendar day of the period. Securities transactions are accounted for as of trade date. The Board of Trustees (the Board) has designated the Fund's investment adviser as the valuation designee responsible for the fair valuation function and performing fair value determinations as needed. The investment adviser has established a Fair Value Committee (the Committee) to carry out the day-to-day fair valuation responsibilities and has adopted policies and procedures to govern the fair valuation process and the activities of the Committee. In accordance with these fair valuation policies and procedures, which have been approved by the Board, the Fund attempts to obtain prices from one or more third party pricing services or brokers to value its investments. When current market prices, quotations or currency exchange rates are not readily available or reliable, investments will be fair valued in good faith by the Committee, in accordance with the policies and procedures. Factors used in determining fair value vary by investment type and may include market or investment specific events, transaction data, estimated cash flows, and market observations of comparable investments. The frequency that the fair valuation procedures are used cannot be predicted and they may be utilized to a significant extent. The Committee manages the Fund's fair valuation practices and maintains the fair valuation policies and procedures. The Fund's investment adviser reports to the Board information regarding the fair valuation process and related material matters.

The inputs to valuation techniques used to value investments are categorized into a disclosure hierarchy consisting of three levels as shown below:

Level 1 - Unadjusted quoted prices in active markets for identical investments

Level 2 - other significant observable inputs (including quoted prices for similar investments, interest rates, prepayment speeds, etc.)

Level 3 - unobservable inputs (including the Fund's own assumptions based on the best information available)

Valuation techniques used to value investments by major category are as follows:

Exchange-Traded Funds (ETFs) and Exchange-Traded Notes (ETNs) are valued at their last sale price or official closing price as reported by a third party pricing service on the primary market or exchange on which they are traded and are categorized as Level 1 in the hierarchy. In the event there were no sales during the day but the exchange reports a closing bid level, ETFs and ETNs are valued at the closing bid and would be categorized as Level 1 in the hierarchy. In the event there was no closing bid, ETFs and ETNs may be valued by another method that the Board believes reflects fair value in accordance with the Board's fair value pricing policies and may be categorized as Level 2 in the hierarchy.

Investments in any open-end mutual funds are valued at their closing net asset value (NAV) each business day and are categorized as Level 1 in the hierarchy.

Changes in valuation techniques may result in transfers in or out of an assigned level within the disclosure hierarchy.

For additional information on the Fund's significant accounting policies, please refer to the Fund's most recent semiannual or annual shareholder report.

*The fund's schedule of investments as of the date on the cover of this report has not been audited. This report is provided for the general information of the fund's shareholders. For more information regarding the fund and its holdings, please see the fund's most recent prospectus and annual report.*

*Third party trademarks and service marks are the property of their respective owners. All other trademarks and service marks are the property of FMR LLC or an affiliate.*

## Form NPORT-P: Monthly Portfolio Investments Report

### NPORT-P: Part A: General Information

**Item A.1. Information about the Registrant.**

- **a. Name of Registrant:** Fidelity Charles Street Trust

- **b. Investment Company Act file number:** 811-03221

- **c. CIK number of Registrant:** 0000354046

- **d. LEI of Registrant:** SG47DUH2I0FYWTB12921

- **e. Address and telephone number of Registrant.**

  - **Street Address 1:** 245 Summer Street

  - **City:** Boston

  - **State:** MA

  - **Foreign country:** US

  - **Zip / Postal Code:** 02210

  - **Telephone number:** 1-800-FIDELITY

**Item A.2. Information about the Series.**

- **a. Name of Series:** Fidelity Health Savings Fund

- **b. EDGAR series identifier (if any):** S000067946

- **c. LEI of Series:** 549300YYJQTI03KHX961

**Item A.3. Reporting period.**

- **a. Date of fiscal year-end:** 2026-09-30

- **b. Date as of which information is reported:** 2025-12-31

**Item A.4. Final filing**

Does the Fund anticipate that this will be its final filing on Form N-PORT? **No**

### Fund Information

**Total Assets:** $67729637.52

**Total Liabilities:** $20811.80

**Net Assets:** $67708825.72

**Cash Not Reported:** $99779.99

**Monthly Return Information**

| Class               | Month 1 Return (%)   | Month 2 Return (%)   | Month 3 Return (%)   |
|:---|:---|:---|:---|
| Class ID C000217845 | 1.39%                | 0.16%                | 0.43%                |
| Class ID C000217846 | 1.29%                | 0.15%                | 0.50%                |

**Monthly Gains & Losses**

| Period   | Net Realized Gain/Loss   | Net Unrealized Appreciation/Depreciation   |
|:---|:---|:---|
| Month 1  | $56727.77                | $681759.54                                 |
| Month 2  | $162432.77               | $-128584.64                                |
| Month 3  | $13741.79                | $-1679678.33                               |

### Schedule of Portfolio Investments

| Name                                          | Title                                         | Identifiers                                   | Payoff Profile   | Asset Category   | Issuer Category   | Country   |   Balance | Units   | Value (USD)   | % of Net Assets   | Maturity Date   | Coupon Type   | Annualized Rate (%)   | Restricted?   |   Fair Value Level | Lending Status   |
|:---|:---|:---|:---|:---|:---|:---|---:|:---|:---|:---|:---|:---|:---|:---|---:|:---|
| Fidelity Covington Trust                      | Fidelity Enhanced Small Cap ETF               | CUSIP: 31609A206<br>LEI: 549300JFYFTF85QAQR28 | Long             | EC               | RF                | US        |     22772 | NS      | $860326.16    | 1.27%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Salem Street Trust                   | FIDELITY INTERNATIONAL BOND INDEX FUND        | CUSIP: 31635T732<br>LEI: S4W85DGKOEJ24DPRB829 | Long             | EC               | RF                | US        |   1097638 | NS      | $10065336.52  | 14.87%            |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Central Investment Portfolios LLC    | Fidelity U.S. Equity Central Fund             | CUSIP: 31606V666<br>LEI: S2V1M15I679NQK6BNY65 | Long             | EC               | RF                | US        |     67790 | NS      | $9886427.97   | 14.60%            |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Covington Trust                      | Fidelity Blue Chip Growth ETF                 | CUSIP: 316092352<br>LEI: 549300JFYFTF85QAQR28 | Long             | EC               | RF                | US        |     13526 | NS      | $741765.84    | 1.10%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Central Investment Portfolios LLC    | Fidelity International Equity Central Fund    | CUSIP: 31606V716<br>LEI: S2V1M15I679NQK6BNY65 | Long             | EC               | RF                | US        |     64245 | NS      | $7699750.07   | 11.37%            |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Central Investment Portfolios LLC    | Fidelity High Income Central Fund             | CUSIP: 31606V690<br>LEI: S2V1M15I679NQK6BNY65 | Long             | EC               | RF                | US        |      8808 | NS      | $974759.23    | 1.44%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Salem Street Trust                   | Fidelity Short-Term Bond Fund                 | CUSIP: 316146208<br>LEI: S4W85DGKOEJ24DPRB829 | Long             | EC               | RF                | US        |    789865 | NS      | $6737547.14   | 9.95%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Oxford Street Trust II               | Fidelity Commodity Strategy Central Fund      | CUSIP: 316167303<br>LEI: 549300OEP6Z1TBUGHH59 | Long             | EC               | RF                | US        |     26664 | NS      | $2595479.31   | 3.83%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Covington Trust                      | Fidelity Enhanced Mid Cap ETF                 | CUSIP: 31609A503<br>LEI: 549300JFYFTF85QAQR28 | Long             | EC               | RF                | US        |      8470 | NS      | $308138.60    | 0.46%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Revere Street Trust                  | Fidelity Cash Central Fund                    | CUSIP: 31635A105<br>LEI: 549300BDV45LJNXBZC55 | Long             | STIV             | RF                | US        |   5281649 | NS      | $5282705.52   | 7.80%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Covington Trust                      | Fidelity Enhanced Large Cap Value ETF         | CUSIP: 31609A107<br>LEI: 549300JFYFTF85QAQR28 | Long             | EC               | RF                | US        |      5367 | NS      | $186020.22    | 0.27%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Central Investment Portfolios LLC    | Fidelity Emerging Markets Equity Central Fund | CUSIP: 31606V682<br>LEI: S2V1M15I679NQK6BNY65 | Long             | EC               | RF                | US        |     16382 | NS      | $4711230.36   | 6.96%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Salem Street Trust                   | Fidelity Inflation-Protected Bond Index Fund  | CUSIP: 31635T104<br>LEI: S4W85DGKOEJ24DPRB829 | Long             | EC               | RF                | US        |    318895 | NS      | $2908321.17   | 4.30%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Central Investment Portfolios II LLC | Fidelity Investment Grade Bond Central Fund   | CUSIP: 31606V500<br>LEI: 0VPAEPVECBYQ0ULYZJ60 | Long             | EC               | RF                | US        |    143620 | NS      | $14298814.17  | 21.12%            |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Covington Trust                      | Fidelity Fundamental Small-Mid Cap ETF        | CUSIP: 316092295<br>LEI: 549300JFYFTF85QAQR28 | Long             | EC               | RF                | US        |     12050 | NS      | $369814.50    | 0.55%             |  |  |  | No            |                  1 | On Loan: No      |

### Signature

**Date Signed:** 2026-01-30

**Name of Applicant:** Laura M. Del Prato

**Signature:** Laura M. Del Prato

**Name of Signer:** Laura M. Del Prato

**Title:** President and Treasurer