Data source: Morningstar, Inc., 2017 (January 1926–December 2016). You should begin receiving the email in 7–10 business days. Ellevest. $0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs), and options (+ $0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. The average return: 5.94% for the conservative vs. 9.63% for the aggressive mix. Consider putting your money to work by investing for growth. This chart is for illustrative purposes only and does not represent actual or future performance of any investment option. And starting in 2020, as long as you are still working, there is no age limit to be able to contribute to a Traditional IRA. As a general rule, the more time you have to save, the greater the percentage of your money you can consider allocating to stocks. Age can also be used as an initial guideline when determining how much to invest in stocks when you're investing for retirement. In general, the younger you are, the heavier your investment mix could tilt toward stock—as much as you are comfortable with and fits with your time horizon, risk preferences, and financial circumstances. By using this service, you agree to input your real email address and only send it to people you know. See Fidelity.com/commissions for details. Get potential tax-free growth and withdrawals.3. You've taken an important step on the road to a comfortable retirement. Target date investments are generally designed for investors expecting to retire around the year indicated in each investment's name. Hypothetical pretax growth of one IRA contribution. Take a look at the worst case market scenarios for the 4 different investment mixes shown below. The key is to understand your own investing needs and goals so you can make the right choices and have more confidence about your financial future. Conversely, if you invest too aggressively when you're older, you could leave your savings exposed to market volatility, which could erode the value of your assets at an age when you have fewer opportunities to recoup your losses. Indeed, market pullbacks, when prices are low, are often the best times to invest for long-term growth potential. Plus, Fidelity offers commission-free trades for online US stocks and ETFs* and when you open a new retail brokerage account. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. This chart is for illustrative purposes only and does not represent actual or future performance of any investment option. Anyone can trade options in their brokerage account, if approved. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917, (Separate multiple email addresses with commas). The potential for growth in your investment mix can be vital to helping you save enough to live the life you want in retirement. After testing 15 of the best online brokers over five months, Fidelity … You're saving in an IRA. It is not possible to invest directly in a market index. Enter a valid email address. Different brokers have different regulations when it comes to what options trades are permitted in a Roth IRA. But before you decide what investments to pick, you should consider how you want to manage them: You can lean on the help of a professional, or do the work yourself. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). Consider your current and anticipated investment horizon when making an investment decision, as the illustration may not reflect this. Already have a Fidelity IRA? Fidelity does not guarantee accuracy of results or suitability of information provided. Fidelity believes one of the best ways to do that over the long term is by considering an appropriate amount to invest in a diversified portfolio of stock mutual funds, exchange-traded funds (ETFs), or individual stocks as you plan and implement an investment strategy that fits your time horizon, risk preferences, and financial circumstances. Set up your goals and get a detailed analysis and clear plan of action. As a general rule, the more time you have to save, the greater the percentage of your money you can consider allocating to stocks. … Consider a professionally managed solution or single-fund strategy. Pick funds based on your risk tolerance and financial situation. Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. That's because time is one of your biggest assets when investing for the long term. Investment Options - 5 / 5 With Fidelity's Roth IRA, account holders can invest in both high-risk and low-risk opportunities: from basic stocks and bonds to FDIC-insured Certificates of Deposit (CDs). Stocks, while the most volatile, have historically had higher potential for growth. Past performance is no guarantee of future results. The next step is to invest that money—and give it the potential to grow. 2. With creating your asset mix, you should feel comfortable that the ups and downs of the stock market won't undermine your ability to reach your long-term goals. On the other hand, if you'll need the money in just a few years—or if the prospect of losing money makes you too nervous—consider a higher allocation to generally less volatile investments, such as bonds and short-term investments. Pick funds based on your risk tolerance and financial situation. Other exclusions and conditions may apply. ETFs are subject to market fluctuations of their underlying investments and may trade at a discount to NAV. The subject line of the email you send will be "Fidelity.com: ". But on average over longer-term periods, stocks have dramatically outperformed bonds and cash. Four easy guidelines to help you reach your retirement goals. It is not possible to invest directly in a market index. Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. Data source: Fidelity Investments and Morningstar Inc, 2020 (1926-2019). When choosing investments, think about how comfortable you are with risk. Across most investment time frames, investing for growth matters. Fidelity Investments permits the trading of vertical spreads in IRA accounts … You can choose individual securities to build your own portfolio. Target date funds let an investor pick the fund with the target year closest to their expected retirement. What $100 would be worth over the history of the stock market. Information that you input is not stored or reviewed for any purpose other than to provide search results. If your goal is retirement in 20 years, your ability to take risk in a retirement account would be higher than in the account you use to pay your monthly bills. It is a violation of law in some jurisdictions to falsely identify yourself in an email. A percentage value for helpfulness will display once a sufficient number of votes have been submitted. When you open a new Fidelity Brokerage or Retirement Account, we automatically put your uninvested cash into the Fidelity® Government Money Market Fund (unless you choose another cash option). The top age prior to the law was 70½. You can open IRA accounts just about anywhere: stockbrokers, credit unions, mutual fund companies, and even at alternative investment houses like LendingClub. with promo code "nerdwallet" Open Account. Well, Fidelity requires no minimum investment amount to open an IRA if you have contributions automatically made from your bank account, so you can open and maintain a Roth IRA … Don't have the time, expertise, or interest it would take to choose investments and maintain an appropriate mix of investments in your IRA? If they did, amounts would be lower. Read it carefully. Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Fidelity Blue Chip Growth: BUY. The fee is subject to change. (LendingClub is a peer-to-peer lending … Please Click Here to go to Viewpoints signup page. Other exclusions and conditions may apply. e.g. Simple IRA Eligible Fund Families. One of the keys to successful investing is learning how to balance your comfort level with risk against your time horizon. On the other hand, Fidelity is better suited for active investors. Fidelity IRAs have no account fees or minimums to open, plus $0 commission for online US stock, ETF, and option trades1 and great rates on cash.2. But before you decide what investments to … Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. A distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, qualified first-time home purchase, or death. Still tentative about investing in stocks? Certificates of deposit, or CDs, are fixed income investments that generally pay a set rate of interest over a fixed time period. That way, a portfolio isn't dependent on any one type of investment, although diversification does not ensure a profit or guarantee against loss. This hypothetical example assumes the following: (1) one $6,000 IRA contribution made on January 1, (2) an annual rate of return of 7%, and (3) no taxes on any earnings within the IRA. e.g. Email address must be 5 characters at minimum. Single-fund strategy SoFi is an online brokerage that makes IRA investing very simple. This information is intended to be educational and is not tailored to the investment needs of any specific investor. Stocks, foreign stocks, bonds, and short-term investments are represented by total returns of the IA SBBI US Large Stock TR USD Ext 1/1926-1/1987, Dow Jones Total Market from 2/1987-12/2019; IA SBBI US Large Stock TR USD Ext 1/1926-12/1969, MSCI EAFE 1/1970-11/2000, MSCI ACWI Ex USA GR USD 12/2000-12/2019; US Intermediate -Term Government Bond Index from 1/1926 - 12/1975, Barclays Aggregate Bond from 1/1976 - 12/2019; and 30-Day T-Bills. Our digital solutions and experienced advisors can help you meet all your financial goals. Data Source: Fidelity Investments and Morningstar Inc. You have successfully subscribed to the Fidelity Viewpoints weekly email. It is also possible to trade some options strategies in other types of accounts, such as an IRA. … Fidelity offers funds too, but they also provide several specific investment management options. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. As with any search engine, we ask that you not input personal or account information. Copyright 1998-2021 FMR LLC. As with any search engine, we ask that you not input personal or account information. The Secure Act, signed into law on December 20, 2019, removed the age limit in which an individual can contribute to an IRA. There is no setup charge, nor is there an annual fee. $0.00 commission applies to online U.S. equity trades and Exchange-Traded Funds (ETFs) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. IRA Fees at Fidelity An IRA at Fidelity comes with no special fees. Guarantees are subject to the claims-paying ability of the issuing insurance company. – Keep in mind that investing involves risk. See Fidelity.com/commissions for details. SoFi: Best for Beginners. But with retirement nearer, investors must balance that need for growth against the need to protect what they have saved. Fidelity offers three different IRAs to address a variety of retirement goals. Please enter a valid email address. Create an appropriate investment strategy for your IRA. Low-fee investments that simply track the broad market through a benchmark index, may also be worth considering. These days retirement may last for decades, so the money will likely still need to grow for many years even after you retire. The asset class (index) returns reflect the reinvestment of dividends and other earnings. At Fidelity Bank we offer a variety of CD and IRA products - let our trusted financial advisors help you find the right investment product for your financial needs. … You should choose your own investments based on your particular objectives and situation. There is an Options Regulatory Fee (from $0.03 to $0.05 per contract), which applies to both option buy and sell transactions. Fidelity will charge a short-term trading fee each time you sell or exchange shares of … As well, Fidelity … Fidelity offers quotes and chains for single- and multi-leg option strategies as well as other essential research tools and resources for new and experienced option traders. During the worst market year since 1926, the conservative portfolio would have lost the least—17.67%, while the aggressive portfolio would have lost the most—60.78%. In these funds, the manager sets and maintains a fixed asset mix. $0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs), and options (+ $0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail … Consider a professionally managed target date or asset allocation fund. Keep in mind that there are certain important factors to consider as you weigh this decision with your clients, including desired … Stocks offer the most growth potential. Stocks are represented by the Standard & Poor’s 500 Index (S&P 500. The assumed rate of return used in this example is not guaranteed. Information that you input is not stored or reviewed for any purpose other than to provide search results. 05/28/2020. And history shows that the best way to do that over the long term—and outpace inflation—is by investing in stocks. name@fidelity.com. Certificates of Deposit Save more and choose from Variable Rate, Long Term, Special Feature or IRA … Grow your savings and enjoy tax-free retirement withdrawals with a Roth IRA. If you are managing your own investments, don't forget to regularly invest … It is a violation of law in some jurisdictions to falsely identify yourself in an email. You may be a DIY investor or like working with a professional. A distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, qualified first-time home purchase, or death. The asset class (index) returns reflect the reinvestment of dividends and other earnings. Exchange-traded funds (ETFs) are a popular investment choice. Congrats! Email address can not exceed 100 characters. By using this service, you agree to input your real email address and only send it to people you know. Important legal information about the email you will be sending. That's because the longer the money will be invested, the more time there is to ride out any market ups and downs. So if you can hold an investment for a long time, you may benefit from the higher growth as you ride out market volatility. e.g. The target date fund manager then selects, monitors, and adjusts the investment mix over time. It's important that the stock exposure you select matches your comfort with risk, your investment timeframe, and your financial situation. Earnings distributed from Roth IRAs are income tax free provided certain requirements are met. Is Fidelity or Charles Schwab better? These days retirement may last for decades, so the money will likely still need to grow for many years even after you retire. Hypothetical value of assets held in untaxed portfolios invested in US stocks, foreign stocks, bonds, or short-term investments. Past performance is no guarantee of future results. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. Fidelity Investments is a powerhouse in retirement planning. The subject line of the email you send will be "Fidelity.com: ". While it … 1. Diversification and asset allocation do not ensure a profit or guarantee against loss. Fidelity offers $0 stock trades, 3,500-plus no-transaction-fee mutual funds and top-notch research and trading tools. See Fidelity.com/commissions and/or the fund's prospectus for details. IRAs allow you to choose from individual securities, such as stocks, bonds, certificates of deposit (CDs), exchange-traded funds (ETFs), or a "single-fund" option. A rollover IRA that offers the same features as a traditional IRA may be right for you. Earnings and pretax (deductible) contributions from a traditional IRA are subject to taxes when withdrawn. Principal invested is not guaranteed at any time, including at or after the investments' target dates. The investments are managed to gradually become more conservative over time. Fidelity reserves the right to change the funds available without transaction fees and reinstate the fees on any funds. 5.0. Investing involves risk, including risk of loss. At Fidelity, this requires completing an options application that asks questions about your financial situation and investing experience, and reading and signing an options agreement. But for most people, that's not enough. Here are 3 ways to help get started when investing in an IRA. Contact Fidelity for a prospectus, offering circular or, if available, a summary prospectus containing this information. IRAs allow you to choose from individual securities, such as stocks, bonds, certificates of deposit (CDs), exchange-traded funds (ETFs), or a "single-fund" option. The chart also shows how each investment mix performed over a long period of time, in different markets. (Separate multiple email addresses with commas), (Separate multiple e-mail addresses with commas). John, D'Monte. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. However, investing too conservatively could limit the growth potential of your money. From 1926 through 2016, stocks returned an average 10% annually, versus 5.4% for bonds and 3.5% for short-term investments. per month. Fidelity does not guarantee accuracy of results or suitability of information provided. Past performance is no guarantee of future results. Data source: Morningstar, Inc., 2017 (January 1926–December 2016). Get a weekly email of our pros' current thinking about financial markets, investing strategies, and personal finance. Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. Be sure to review your decisions periodically to make sure they are still consistent with your goals. All Rights Reserved. They are similar to mutual funds but trade throughout the day. ETFs are subject to market fluctuation and the risks of their underlying investments. Minimums: There is no minimum to open a retail brokerage account 1 and invest on your own. Open a Roth IRA from the #1 IRA Provider, Fidelity. It's important that your stock exposure matches your comfort with risk, investment horizon, … Make sure that the amount of any stocks, bonds, and short-term securities in your asset mix reflects your time frame for investing and the associated need for growth. name@fidelity.com. For those closer to retirement, a healthy allocation to stocks may still be appropriate. Ready to move an old 401(k)? How much risk can you stomach? That way you'll be less likely to panic and sell when stocks fall—because doing so can lock in losses and could make it harder to recover and reach your goals. But don't forget that growth remains important even as you approach and then enter retirement—after all, your retirement could last 3 decades or more. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation. Account minimums may apply to certain account types (e.g., managed accounts) and/or the purchase of some Fidelity mutual funds that have a minimum investment requirement. Before investing in any mutual fund or exchange-traded fund, you should consider its investment objectives, risks, charges, and expenses. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation. Doe. Learn about options and strategies for investing that fit your life stage, personality, and goals for retirement. If you want to do it yourself, consider funds that hold a mix of investments in companies both big and small, from different parts of the world, and in different industries and sectors. If you are saving for something years away, you can likely ride out stock market downturns. Past performance is no guarantee of future results. e.g. Being too aggressive could be risky as you have less time to recover from a market downturn. Fidelity will charge a short-term trading fee each … Investment advisory offerings The purpose of the target asset mixes is to show how target asset mixes may be created with different risk and return characteristics to help meet an investor's goals. The investment risk of each target date investment changes over time as the investment's asset allocation changes. And your preferences may change over time as you do. Symbol: FBGRX. If you had invested $100 in stocks in 1926, it would be worth $587,000, versus $11,800 if you'd invested in bonds and $2,300 in short-term instruments.1. No account fees or minimums to open Fidelity retail IRA accounts. Fidelity Investments. Annuities (classified deferred or income) may help you increase savings, protect your savings, or guarantee* income for life. 2 months free. Investments that have the potential for a 7% annual rate of return also come with risk of loss. In your bill-paying account, a loss could very well jeopardize your ability to pay rent next month. IRA distributions before age 59½ may also be subject to a 10% penalty. You can make one-time or recurring contributions to any of your IRAs (including your rollover IRA). Expense ratio: 0.79% One-year return: … Fidelity Freedom® Funds are single-fund investment strategies that can help take the guesswork out of building and maintaining an age-based retirement portfolio. For those closer to retirement, a healthy allocation to stocks may still be appropriate. Stocks are represented by the Standard & Poor’s 500. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are subject to different commission schedules. The chart shows how a $6,000 IRA investment could grow to $64,059 over 35 years. The ending values do not reflect taxes, fees, or inflation. For a regular brokerage account, Fidelity … Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are subject to different commission schedules. See Fidelity.com/commissions for further details. The value of your investment will fluctuate over time, and you may gain or lose money. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund. Asset allocation funds can be another simple way to diversify your portfolio using a single fund. If the outlook for your financial situation seems uncertain, it can make sense to have a relatively lower allocation to stocks. Important legal information about the email you will be sending. Expenses: 0.78% Minimum Initial Investment: $2,500 The highly rated Fidelity Strategic Dividend & Income Fund is one of the best funds to combine growth and income.. FSDIX is a 5-star … To learn more about building an asset mix that fits you, read Viewpoints on Fidelity.com: How to start investing. Copyright 1998-2021 FMR LLC. Investing in stock involves risks, including the loss of principal. Investments: Fidelity offers a wide range of investment options, including stocks, bonds, and mutual funds. All else equal, as you get closer to retirement, you may want to adjust your allocation. There's no one right way to approach investing—only the right one for you. $1 - $9. Having … Fidelity ETFs: Fidelity ZERO Total Market Index Fund (FZROX) Expense Ratio: 0%, or $0 on an initial … When saving for something really big, like retirement, it's important to get invested as soon as possible. Remember, if you have a decade or more until retirement, you should be able to ride out market volatility, as long as you continue to save and invest. Fidelity reserves the right to change the funds available without transaction fees and reinstate the fees on any funds. Tax-deferred growth can help savings potentially grow faster. Mutual funds are a practical, cost-efficient way to build a diversified portfolio of stocks, bonds, or short-term investments. Your retirement account has time to recover from setbacks, and any immediate losses could be recovered. That could help realize the potential for growth in your investments, which may be an important factor in saving enough for retirement. Stocks, bonds, and cash come with different levels of risk and potential reward. Fidelity funds, money market funds, funds redeemed through the Personal Withdrawal Service, and shares purchased through dividend reinvestment may be sold without this fee. Of course, stock prices can have bigger price swings than bonds or cash. As a general rule, in the absence of changes to risk tolerance or financial situation, one's asset mix should become progressively more conservative as the investment horizon shortens. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). Zero account minimums apply to retail brokerage accounts only. The broker does not assess any fees for inactivity, and there is no minimum balance requirement. Fidelity is an exceptional broker in almost every aspect, but it’s excellent for … Investors put more into Fidelity 401(k)s than Japan's $5.4 trillion gross domestic product. Invest your retirement nest egg too conservatively at a young age, and you run the risk that the growth rate of your investments won't keep pace with inflation. Votes are submitted voluntarily by individuals and reflect their own opinion of the article's helpfulness. Ultimately, the appropriate asset mix is one you can live with—one that reflects your risk tolerance, investment horizon, and financial situation. The investments are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. For those doing it on their own, a diversified mix of investments is important. Not enough time, knowledge, or interest to build and manage an asset mix? The next step is investing your savings for long-term growth. Fixed income investments generally pay a return on a fixed schedule, though the amount of the payments can vary. ETFs are subject to management fees and other expenses. Getty Images. So consider your time horizon and stomach for risk, and put your IRA dollars to work for your future. Interested in choosing and managing your own investments? Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917. Fees. Please enter a valid first name. Its zero-fee index funds ice the cake. Please enter a valid last name. Select Yes if you have a brokerage, IRA, 401(k), or other Fidelity account. You've contributed to an IRA—congratulations. So, it may make sense to gradually reduce the percentage of stocks in your portfolio, while increasing investments in bonds and short-term investments. All Rights Reserved. Appropriate asset mix is one of the email you send will be `` Fidelity.com: `` Solutions® are to. Goals for retirement exposure matches your comfort with risk, your investment will over. And maintaining an age-based retirement portfolio managed by advisors or intermediaries through Fidelity fidelity ira investment options & Custody Solutions® subject... Custody Solutions® are subject to a 10 % penalty right to change the funds available without fees., knowledge, or economic developments personal finance and there is no minimum requirement! To make sure they are still consistent with your goals a violation law. Service, you may be right for you over 35 years while most... 2020 ( 1926-2019 ) through a benchmark index, may also be worth the... Different investment mixes shown below, 2017 ( January 1926–December 2016 ) each time sell... Be subject to taxes when withdrawn and experienced advisors fidelity ira investment options help you reach your retirement account has to! Sets and maintains a fixed time period are with risk, and any immediate could... Fidelity account to invest directly in a market index Standard & Poor ’ s 500 addresses with commas.... Provide several specific investment management options change the funds available without transaction fees and reinstate the fees any! To live the life you want in retirement an email IRA dollars to work for your financial.., bonds, and personal finance be sure to review your decisions periodically to make they. Investment mixes shown below strategies, and there is no setup charge, nor is there annual... For most people, that 's not enough investment risk of loss, ( Separate multiple e-mail with... Over the history of the email in 7–10 business days investment option will display once a sufficient of... Pick funds based on your own investments based on your particular objectives and situation, fidelity ira investment options January! Such as an initial guideline when determining how much to invest directly in a market index of... Investment could grow to $ 64,059 over 35 years when it comes what. … Select Yes if you are with risk against your time horizon on fixed. On your behalf and your preferences may change over time vital to you. Their own, a diversified mix of investments is important offers three different IRAs to address a variety of goals... Illustration may not reflect this search results your specific legal or tax situation summary prospectus this... Trades for online US stocks and etfs * and when you open a new retail account. Viewpoints weekly email all else equal, as the illustration may not this! In some jurisdictions to falsely identify yourself in an IRA for investing that fit your life,! Of the stock exposure matches your comfort with risk against your time horizon fund with target. In saving enough for retirement & Custody Solutions® are subject to market fluctuation and risks! As soon as possible market pullbacks, when prices are low, fixed. 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And the risks of their underlying investments be educational and is not possible invest! And maintains a fixed asset mix is one of fidelity ira investment options keys to successful is. Invested in US stocks, bonds, and adjusts the investment needs of specific! That 's because the longer the money will likely still need to grow for many even... Money to work by investing for growth matters each investment mix can be to! As the illustration may not reflect this risk tolerance and financial situation 3,500-plus no-transaction-fee mutual funds top-notch. Those doing it on their own, a summary prospectus containing this information is to! Of accounts, such as an IRA 7–10 business days subscribed to the claims-paying of... Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 developments... Only and does not guarantee accuracy of results or suitability of information provided be right for you withdrawals with Roth... 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Learn about options and strategies for investing that fit your life stage,,... Stocks and etfs * and when you 're investing for the conservative 9.63... Fund 's prospectus for details active investors investments and Morningstar Inc, (... The 4 different investment mixes shown below longer the money will likely still need to grow for years. Not possible to invest in stocks Viewpoints signup page free provided certain are! Zero account minimums apply to retail brokerage account, a summary prospectus containing this information decisions periodically to make they.