# EDGAR Filing Document

**Accession Number:** 0000354046
**File Stem:** 0001752724-23-034883
**Filing Date:** 2023-2
**Character Count:** 10980
**Document Hash:** dae0b4e5675df6486e313d39b9321d33
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001752724-23-034883.hdr.sgml**: 20230223

**ACCESSION NUMBER**: 0001752724-23-034883

**CONFORMED SUBMISSION TYPE**: NPORT-P

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230223

**DATE AS OF CHANGE**: 20230223

**PERIOD START**: 20230930

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FIDELITY CHARLES STREET TRUST
- **CENTRAL INDEX KEY:** 0000354046
- **IRS NUMBER:** 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:** 23656949

**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

### Growth Allocation Fund (Series ID: S000075292)

| Class ID   | Class Name             | Ticker Symbol   |
|:---|:---|:---|
| C000234199 | Growth Allocation Fund | FRGAX           |

## Nport-Ex

**Quarterly Holdings Report**

**for**

**Growth Allocation Fund**

**December 31, 2022**

GAF-NPRT1-0323

1.9904662.100 ---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Domestic Equity Funds - 49.1%** | &nbsp;&nbsp;**Domestic Equity Funds - 49.1%** | &nbsp;&nbsp;**Domestic Equity Funds - 49.1%** |
|  | Shares | Value ($)<br>|
| Fidelity Total Market Index Fund (a) <br>(Cost $230,626) <br>| 1986 | **210471** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**International Equity Funds - 20.9%** | &nbsp;&nbsp;**International Equity Funds - 20.9%** | &nbsp;&nbsp;**International Equity Funds - 20.9%** |
|  | Shares | Value ($)<br>|
| Fidelity Total International Index Fund (a) <br>(Cost $96,217) <br>| 7649 | **89567** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Bond Funds - 30.0%** | &nbsp;&nbsp;**Bond Funds - 30.0%** | &nbsp;&nbsp;**Bond Funds - 30.0%** |
|  | Shares | Value ($)<br>|
| Fidelity Short-Term Bond Index Fund (a) | 2271 | 21508 |
| Fidelity U.S. Bond Index Fund (a) | 10541 | 107303 |
| <br> **TOTAL BOND FUNDS**<br> (Cost $138,102) |  | **128811** |

---

---

| | |
|:---|:---|
| <br> **TOTAL INVESTMENT IN SECURITIES - 100.0%**<br> (Cost $464,945)<br>| <br>**428849** |
| **NET OTHER ASSETS (LIABILITIES) - 0.0%**  | **0** |
| **NET ASSETS - 100.0%** | **428849** |

---

**Legend**

(a) Affiliated Fund

**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 Funds 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 ($) |
| Fidelity Short-Term Bond Index Fund | 17365 | 4828 | 832 | 68 | (12) | 159 | 21508 |
| Fidelity Total International Index Fund | 71347 | 16772 | 7771 | 2169 | (641) | 9860 | 89567 |
| Fidelity Total Market Index Fund | 165312 | 44572 | 8516 | 2822 | (719) | 9822 | 210471 |
| Fidelity U.S. Bond Index Fund | 85923 | 23713 | 3346 | 656 | (96) | 1109 | 107303 |
|  | 339947 | 89885 | 20465 | 5715 | (1468) | 20950 | 428849 |

---

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:

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:** Growth Allocation Fund

- **b. EDGAR series identifier (if any):** S000075292

- **c. LEI of Series:** 549300BKT8VQX6T7HI66

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

- **a. Date of fiscal year-end:** 2023-09-30

- **b. Date as of which information is reported:** 2022-12-31

**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:** $427911.34

**Net Assets:** $427911.34

**Cash Not Reported:** $261.39

**Monthly Return Information**

| Class               | Month 1 Return (%)   | Month 2 Return (%)   | Month 3 Return (%)   |
|:---|:---|:---|:---|
| Class ID C000234199 | 4.34%                | 6.41%                | -3.52%               |

**Monthly Gains & Losses**

| Period   | Net Realized Gain/Loss   | Net Unrealized Appreciation/Depreciation   |
|:---|:---|:---|
| Month 1  | $-309.22                 | $15318.53                                  |
| Month 2  | $-622.21                 | $25218.53                                  |
| Month 3  | $-142.77                 | $-19979.74                                 |

### 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 Salem Street Trust   | FIDELITY SHORT-TERM BOND INDEX FUND          | CUSIP: 31635V273<br>LEI: S4W85DGKOEJ24DPRB829 | Long             | EC               | RF                | US        |      2324 | NS      | $22004.31     | 5.14%             |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Salem Street Trust   | Fidelity Total International Index Fund      | CUSIP: 31635V638<br>LEI: S4W85DGKOEJ24DPRB829 | Long             | EC               | RF                | US        |      7857 | NS      | $92008.80     | 21.50%            |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Salem Street Trust   | Fidelity U.S. Bond Index Fund                | CUSIP: 316146356<br>LEI: S4W85DGKOEJ24DPRB829 | Long             | EC               | RF                | US        |     10757 | NS      | $109502.28    | 25.59%            |  |  |  | No            |                  1 | On Loan: No      |
| Fidelity Concord Street Trust | FIDELITY TOTAL MARKET INDEX FUNDFIDELITY ADV | CUSIP: 315911693<br>LEI: EEX0N4ID1C226M44VF22 | Long             | EC               | RF                | US        |      1926 | NS      | $204117.90    | 47.70%            |  |  |  | No            |                  1 | On Loan: No      |

### Signature

**Date Signed:** 2023-01-30

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

**Signature:** Laura M. Del Prato

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

**Title:** President and Treasurer