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Message
Company Offers Retirement Funds With Fidelity Investments- Which funds and amt?
Posted on 8/21/13 at 9:27 am
Posted on 8/21/13 at 9:27 am
I can contribute a percentage of my income to funds listed with Fidelity via my company. They don't match, but will contribute 3% whether I contribute anything or not, which I guess is good.
There are many different funds to choose from and I can contribute 30% to one, 30% to another and 40% to another for example or 100% to just one or any combination I choose.
I have no idea what fund/funds to choose. There are some called the 2050 fund for example that you choose based on your estimated retirement date. Not sure those will be the best or not.
Advice needed please
There are many different funds to choose from and I can contribute 30% to one, 30% to another and 40% to another for example or 100% to just one or any combination I choose.
I have no idea what fund/funds to choose. There are some called the 2050 fund for example that you choose based on your estimated retirement date. Not sure those will be the best or not.
Advice needed please
5
Posted on 8/21/13 at 9:52 am to nikki6
Post a screen shot of all the options. That's what I did and everyone gave me great advice.
Right now, I have 50% large cap (FXSIX), 15% mid (FXEVX), 15% small (PSVIX), 20% Int'l (RERFX). I have 11% return so far.
Right now, I have 50% large cap (FXSIX), 15% mid (FXEVX), 15% small (PSVIX), 20% Int'l (RERFX). I have 11% return so far.
Posted on 8/21/13 at 10:11 am to CQQ
Will do when I get home and get to my computer. Thanks
Posted on 8/21/13 at 10:06 pm to nikki6
Higher percentage allocation towards:
Bluechip growth (my fave)
Contrafund (solid as well but w/ higher than normal fees)
Small cap index (high risk, high reward)
S&p 500 index (conservative favorite)
Can't remember the name of the mid cap they offer but an allocation toward it will do wonders.
And small percentages to:
real estate fund
And International Growth Fund
Bluechip growth (my fave)
Contrafund (solid as well but w/ higher than normal fees)
Small cap index (high risk, high reward)
S&p 500 index (conservative favorite)
Can't remember the name of the mid cap they offer but an allocation toward it will do wonders.
And small percentages to:
real estate fund
And International Growth Fund
Posted on 8/21/13 at 10:25 pm to nikki6
Brokerage link.
Opens up the market to you if you like a hands on approach; even options if you choose to do so.
Opens up the market to you if you like a hands on approach; even options if you choose to do so.
Posted on 8/21/13 at 11:47 pm to LSUAlum2001
quote:
Brokerage link.
I love brokerage link
Posted on 8/22/13 at 1:13 am to nelatf
quote:
I love brokerage link
my brokerage link kicked the mutual fund portion of my 401k for quite a while. The last six month the mutual fund portion has kicked my brokerage link.
Posted on 8/22/13 at 12:14 pm to nikki6
60% spartan total market index, broad based, low cost
40% Spartan U.S. Bond Index Fund
40% Spartan U.S. Bond Index Fund
This post was edited on 8/22/13 at 12:26 pm
Posted on 8/22/13 at 1:39 pm to stonerolledaway
I have the Fidelity Low Price (FLPSX) and the Health Care (FSPHX).
Also good is the Fidelity Contrafund (FCNTX). I don't have it because of my age (too much Google and Apple for someone > 50).
Also good is the Fidelity Contrafund (FCNTX). I don't have it because of my age (too much Google and Apple for someone > 50).
Posted on 8/23/13 at 8:11 am to nikki6
So far my YTD return is 17% but I'm 40 and I just started investing about a year ago so I had to go aggressive, high/medium risk-high reward. I have been told to go mostly US funds but do not leave out the foreign markets. So my funds and percentage is as followed:
25-fid small cap discovery(FSCRX)
25-fid overseas(FOSFX)
25-fid contrafund(FCNTX)
25-SPTN TOT MKT IDX ADV(FSTVX)
You also have to see return vs cost. Some of these funds cost to invest in.
25-fid small cap discovery(FSCRX)
25-fid overseas(FOSFX)
25-fid contrafund(FCNTX)
25-SPTN TOT MKT IDX ADV(FSTVX)
You also have to see return vs cost. Some of these funds cost to invest in.
Posted on 8/23/13 at 8:31 am to matthew25
I'm thinking about getting out of the contrafund myself and get into something that's a little cheaper. With the same rate of return. I know my reason won't make sense to y'all money gurus but I just like to see my money buy more shares then it does now. At 90 bucks a share my 25 percent doesn't buy many shares. I'll keep what I got in it but try to find something more promising. But I'll second guess myself for the next 2 weeks lol so I have to stay away.
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