What’s your investment IQ? Do you prefer the “DIY investment” approach, where you make all of the decisions? Does making your own investment decisions intimidate you? Or do you prefer to be somewhat involved, but with expert guidance and management? When it comes to planning for your retirement, Fidelity has an investment strategy tailored just for you, regardless of where you fall on the investment-savvy spectrum.

Let Fidelity Do Your Investing: Target Date Strategies

When you recognize that investment strategies are best left to the experts, Fidelity’s target date strategies may be the choice for you, regardless of your retirement date. Target date strategies invest in a mix of stocks, bonds and other investments that automatically adjust over time, up to and throughout your retirement. This means you have a lifetime investment approach that is professionally managed in a convenient, single investment, providing you with simplicity, diversification, ongoing management, and a lifetime investment strategy. Here’s a brief overview of how it works:

• Simplicity based on your “target date”—Your strategy is developed and based on your target retirement date. For example, if you are 40 years old and want to retire between ages 65 and 67—around the year 2050—Fidelity develops a 2050 strategy for you.
• Diversification spreads your financial investments across various investment types, asset classes, and investment styles to reduce risk, while still offering growth potential.
• Ongoing management by a Fidelity team of professionals who adjust your investment mix when the market changes, so you don’t have to.
• Lifetime investment strategy that shifts to a more conservative approach as your target date nears, providing you with a consistent strategy as you transition from career to retirement.

For the DIY in You: Fidelity Brokerage Link

At the opposite end of the spectrum from target date strategies is the “do-it-yourself” option, allowing you to choose and manage your own investments from Fidelity’s robust portfolio of investment choices. This strategy is best suited for the experienced investor with the knowledge—and stomach—to make their own investment decisions, stay on top of market shifts and trends, and be able to adjust their investment allocation accordingly. And if you’re a bit rusty on investing, don't worry; you'll find educational tools and resources on Fidelity's website.

Meeting You in the Middle: Personal Planning & Advice

Fidelity’s Personal Planning & Advice strategy meets the investor in the middle, between the approach of investing in target date funds and taking a DIY approach to retirement planning. Think of this strategy as a collaborative effort, giving you a personalized retirement plan built from a personal profile that you create, and then allowing Fidelity’s investment team and planning professionals to monitor and adjust your investments along the way.

As part of this strategy, Fidelity proactively monitors and provides you with ongoing support, including quarterly check-ins to discuss your progress toward key milestones and any actions you may want to consider for financial success. You’ll also receive Fidelity’s perspective on how the market might impact your investment strategy.

To learn more about Fidelity’s Personal Planning & Advice services, mark your calendar and plan to attend Fidelity’s November webinar on Tuesday, November 15 (see details on the Webinars page).

For more information about managing your investments and choosing the investment strategy that's right for you, log in to NetBenefits.com and go to the "Investments" page.

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