Fidelity portfolio

Fidelity portfolio DEFAULT

Welcome to Fidelity customer service

Important Information

Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided.

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

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. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation. 

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 



Personalized investment management

Business cycle above is a hypothetical illustration of a typical business cycle. There is not always a chronological progression in this order, and there have been cycles when the economy has skipped a phase or retraced an earlier one.

The Typical Business Cycle depicts the general pattern of economic cycles throughout history, though each cycle is different. In general, the typical business cycle demonstrates the following:

During the typical early-cycle phase, the economy bottoms and picks up steam until it exits recession and then begins the recovery as activity accelerates. Inflationary pressures are typically low, monetary policy is accommodative, and the yield curve is steep. Economically sensitive asset classes such as stocks tend to experience their best performance during the early-cycle phase.

During the typical mid-cycle phase, the economy exits recovery and enters into expansion, characterized by broader and more self-sustaining economic momentum but a more moderate pace of growth. Inflationary pressures typically begin to rise, monetary policy becomes tighter, and the yield curve experiences some flattening. Economically sensitive asset classes tend to continue benefiting from a growing economy, but their relative advantage narrows.

During the typical late-cycle phase, the economic expansion matures, inflationary pressures continue to rise, and the yield curve may eventually become flat or inverted.

Eventually, the economy contracts and enters recession, with monetary policy shifting from tightening to easing. Less economically sensitive asset categories tend to hold up better, particularly right before and upon entering recession.


​Tax-smart (i.e., tax-sensitive) investing techniques, including tax-loss harvesting, are applied in managing certain taxable accounts on a limited basis, at the discretion of the portfolio manager, primarily with respect to determining when assets in a client's account should be bought or sold. Assets contributed may be sold for a taxable gain or loss at any time. There are no guarantees as to the effectiveness of the tax-smart investing techniques applied in serving to reduce or minimize a client's overall tax liabilities, or as to the tax results that may be generated by a given transaction. ​​

2. Fidelity® Wealth Services ("FWS") offers three service levels, each with its own fees, features, and eligibility requirements. Wealth Management service level clients must generally qualify for support from a dedicated Fidelity advisor, which is based on a variety of factors (for example, a client with at least $250,000 invested in eligible Fidelity account(s) would typically qualify). Account investment minimum is $50,000. For details, review the Program Fundamentals available online or through a representative.

3. The advisory fee does not cover charges resulting from trades effected with or through broker-dealers other than Fidelity Investments affiliates, mark-ups or mark-downs by broker-dealers, transfer taxes, exchange fees, regulatory fees, odd-lot differentials, handling charges, electronic fund and wire transfer fees, or any other charges imposed by law or otherwise applicable to your account. You will also incur underlying expenses associated with the investment vehicles selected.

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.

Fidelity® Wealth Services provides non-discretionary financial planning and discretionary investment management through one or more Portfolio Advisory Services accounts for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Discretionary portfolio management services provided by Strategic Advisers LLC (Strategic Advisers), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, Strategic Advisers, FBS, and NFS are Fidelity Investments companies.

  1. Diamonds hair nail lash
  2. Funnel paint pour
  3. D&d warrior monk

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

IMPORTANT: The projections or other information generated by the Planning & Guidance Center Retirement Analysis regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request.

As with all your investments through Fidelity, you must make your own determination whether an investment in any particular security or securities is consistent with your investment objectives, risk tolerance, financial situation and your evaluation of the security. Be sure to review your decisions periodically to make sure they are still consistent with your goals.

Build Your Portfolio - Fidelity

Need Help Logging In?

When you select the "Remember me" check box and then log in, your username is encrypted and stored on the computer you are currently using. The next time you log in, we will prefill your username and you only need to enter your password (which, for security reasons, is never saved) to log in.

Up to seven Fidelity usernames may be stored on a computer and accessed from the "Username" dropdown menu. If you log in from multiple computers, such as your home and work computers, you must save the username on each computer separately.

For security reasons, only the last three characters of saved usernames are displayed with "Remember me." If you are saving multiple usernames on the same computer, be sure that the last three characters are different, so that you can tell them apart easily.

Important: Because "Remember me" stores your username on the computer you're using, do not use this feature on public computers (such as those in a library or internet cafe).


Portfolio fidelity

Call or visit us today to set up an appointment

2020 was a volatile year: Have recent stock market swings motivated you to check your balances more frequently? It’s important to check your investment plan periodically, but particularly if your goals or situation changes, or after sharp market moves. That way you can check if your mix of stocks, bonds, cash, and other investments is still aligned to your goals, investment time horizon, financial situation, and tolerance for market declines.

Assuming you already have an investment plan in place, here are 4 ways to make sure you’re on track. If you don’t have a plan, why not get started now?

1: Plan for the future

The purpose of a portfolio checkup is to make sure your investments are still in line with your goals, investment horizon, financial situation, and risk tolerance. If they are, great; if not, it’s time to make adjustments. That's why it is critical that you start with a plan that includes clear goals.

If you are still saving toward your goals, you can make plans about strategic ways to put your money to work. If you are living off your investment portfolio, you can evaluate the income potential of your holdings, or how much you may need to sell to meet your income needs. You may want to direct new investments to the most attractive securities or funds in underrepresented asset classes.


  • Review or create your plan to generate income or build your savings. Consider an automated savings or withdrawal program, which can help ensure that your savings or cash flow reflects your priorities and your plan.
  • Set a date for your next portfolio review within 1 year, or as soon as 1 month. A regularly scheduled checkup can keep your finances on track as you work toward your goals.

2: Evaluate your asset mix

Your checkup is a great time to reconsider your mix of stocks, bonds, and cash. As a starting point, check to make sure that the target you've set matches your risk tolerance, financial situation, and time horizon.

If you haven't reviewed your portfolio for a while, there is a good chance that relative market performance of asset classes has changed your investment mix, causing your combination of stocks, bonds, and cash to drift away from your plan. At times, that can mean too much stock—and risk—or too little. With too much risk, you may experience larger losses in a market downturn than you are comfortable with. With too little risk, you may give up growth potential.

If you have experienced major life changes, you may also want to adjust your strategy and target asset mix. For example, getting married may mean you want to consider your asset allocation as a couple, versus 2 separate individuals. Having a baby may mean you want to devote more money toward a college savings and investment plan. Getting a new job might mean adjusting for more stock awards from your employer. Planning to retire might mean dialing back your allocation to stocks and building a retirement income plan.

During your review, ensure that you are diversified within each asset class. Among individual stocks and stock funds, for example, your holdings could include a mix of investments in each of the following categories:

  • Size: Consider stocks of small, medium, and large companies, because different-sized companies tend to lead the market at different times.
  • Style: Different investment strategies, such as growth and value, tend to trade market leadership. Holding both types means you can help minimize volatility in your portfolio, and potentially benefit in all types of environments.
  • Sector: You may want to include investments tied to many different parts of the economy.
  • Geography: You may want your portfolio to include exposure to domestic and international stocks, including those from emerging markets. Financial markets around the world respond differently to regional and global events.

Your bond and bond fund holdings can be diversified within the following categories:

  • Sector: Consider investing in various types of government and corporate bonds.
  • Maturity: Bonds of different maturities provide diverse levels of yield and interest rate risk. Choose to diversify, or target maturities that make sense for your strategy.
  • Credit quality: Bonds of different qualities may perform very differently as the business and credit cycles evolve. Make sure your mix of credit quality offers an appropriate balance of risk and reward for your goals and financial situation.
  • Geography: Consider holding both domestic and foreign bonds, possibly including emerging markets debt, to gain exposure to the opportunities and spread out the risks offered by various regions.

Keep in mind the risks associated with the different types of holdings, and remember that just creating a diverse mix isn't enough. Part of your monitoring process needs to make sure that your individual investments remain in line with your plan and to adjust them as necessary. For instance, a small-cap portfolio can grow to become mid-cap, or a period of high returns in one region of the world can leave you over-exposed to the fortunes of that part of the market. That's why it is important to keep careful tabs on how your mix changes over time.


  • Review your investment strategy. Revisit your overall investment mix in light of any changes in your situation and make adjustments if you think they are necessary. We call that rebalancing.
  • Target areas to rebalance. There are a number of ways to rebalance. If your allocation to any asset class has drifted away from your target, you may want to act to get it back into balance. A drift of 10% from your target allocation could serve as a trigger, though you may wish to apply a looser or tighter rule. If you make regular contributions to your portfolio, you may want to adjust future investments into the asset classes currently underrepresented in your portfolio. Or you may want to sell some of the investments that are in excess of your target, and use the proceeds to get back on track. Some investors choose to reallocate back to their target mix periodically, such as every 3, 6, or 12 months.

3: Review holdings

While keeping the overall diversification of your portfolio in mind, you can consider making adjustments to including stocks, bonds, mutual funds, and exchange-traded funds (ETFs). The answer to the question of what to sell and where to reinvest will be different for each investor. That said, the following principles can help you determine where to make adjustments that fit your personal goals.

Start with any individual stocks you hold. Check whether the companies have performed up to your expectations, and consider whether your outlook for them remains positive. Also review the stock's valuation, to make sure it is still reasonable. A long run-up in stocks can cause valuations to grow beyond the level you think is appropriate. The following measures can help you decide whether a stock remains a good candidate for your portfolio:

  • Fundamentals: Check essential business metrics such as earnings and sales numbers, as well as stock valuation measurements such as price-to-earnings and price-to-book ratios, and compare them with the company's peers.
  • Analyst opinions: Market analysts' projections can help you evaluate the firms' outlooks.

If you have individual bonds in your portfolio, you should include a review of your holdings in your checkup. For corporate bonds, company fundamentals and analyst opinions can also be useful. For all types of bonds, be sure to review:

  • Credit rating: Check to see if the ratings of your bonds have changed. If analysts have downgraded any of your holdings, it may mean your portfolio has taken on a higher level of risk.
  • Duration: As time passes, the duration of your bond holdings will fall—meaning your portfolio may become less sensitive to rate changes. You should review this in light of your changing investment goals and the interest rate environment, and take it into account if you are reinvesting in bonds.

When it comes to individual stocks and bonds, you may want to make sure you don't have too many of your eggs in one basket. In general, Fidelity believes you should avoid having too much of your money in any one investment: You should consider reviewing any stocks or bonds of a single issuer that exceed 5% of your overall portfolio. Don’t forget to check on your company stock awards as well, as it can add up to a significant amount if you’re granted shares regularly.

Next, evaluate the performance of your mutual fund and ETF holdings relative to their peers. Consider the following:

  • Benchmarks: Each mutual fund or ETF in your portfolio can be compared to a benchmark to determine whether its performance is in line with its stated strategy and goals. It's also important to evaluate the level of risk taken to achieve that return. Each fund's prospectus lists the index that the fund's sponsor deems most appropriate to use as a benchmark. Use these benchmarks to identify and monitor laggards.
  • Fund documents: Annual reports and other fund filings are filled with important information. Check whether the fund has brought on a new manager, changed its investment approach, adopted a new benchmark, increased fees, or made other significant changes.


  • Revisit your positions. Consider whether your stock and fund holdings still make sense for your investment strategy and meet your expectations. Look for holdings to replace, trim, or increase, keeping in mind the costs and potential tax implications of a change.
  • Review your concentration. You may want to review any individual stock or bond holdings from a single issuer that exceed 5% of your overall portfolio and you think those positions have become too large a part of your portfolio. Keep your overall asset allocation and taxes in mind when considering any changes.

4: Assess overall performance

Your checkup should include an assessment of your portfolio's overall returns. You should check in at least annually, if not more frequently. When evaluating performance, context is key. You need to know 2 things: whether your portfolio is on pace to meet your goals, and whether it has performed as well as comparable investments over a reasonable period of time.

If your portfolio's performance has fallen short of your needs over a long time period or if you find you cannot tolerate the volatility of your investment mix, you may need to revise your strategy, perhaps by saving more or revisiting your investment allocation.

You also want to see how your individual investments have performed. Your first instinct may be to look at the bottom line—we all want to see the value of our investments rise. But what may be more important is that your investments perform in line with your strategy. For instance, an aggressive investor looking for growth should expect to see periods of large gains and losses aligned with the performance of the stock markets, while a more conservative investor would want to see less volatility.

To make a meaningful comparison, check the returns of your stock, bond, and cash holdings against benchmark indexes that are appropriate for each. The exact benchmarks to use will vary based on your particular strategy, but here are a few examples:

  • US stocks: The Dow Jones US Total Stock Market IndexSM measures the performance of a broad range of US stocks.
  • International stocks: The MSCI All Country World Index (excluding US) measures the performance of stocks in emerging and developed markets outside the US.
  • Bonds: The Barclays Capital US Aggregate Bond Index measures the performance of investment-grade bonds traded in the US.
  • Short Term: The Barclays Capital US 3-Month Treasury Bellwether Index captures the return of Treasury bills with maturities of less than 3 months, a useful proxy for cash accounts.

Using benchmarks will give you a snapshot of your portfolio's performance relative to the market. Ideally, you want your returns to be close to, but (hopefully) exceeding, the relative benchmarks and exhibiting a level of volatility consistent or lower than those benchmarks. Returns that differ dramatically from the benchmarks—on either the high or low side—may indicate that your investment portfolio may need a review to understand what is causing the difference. And it is important to note that most investors are in it for the long haul, so don't let short-term performance weigh too heavily in your decision-making.


  • Stay on plan. Successful investing can start with laying out clear goals and, over time, making sure your performance is on track to meet those goals.
  • Look for red flags. Keep an eye on holdings that are significantly under-performing their asset class benchmarks.
Build Your Portfolio - Fidelity

Fidelity Fund Portfolios—Income

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

Diversification and asset allocation do not ensure a profit or guarantee against a loss.

Investing involves risk, including risk of loss.

Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments.

In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible.

Fidelity's guidance is educational and should not be the primary basis of your investment decisions. Please see the model portfolio methodology (PDF) for more information about how the models are created. You should also carefully research any fund you may be considering prior to making an investment decision. You may consider another allocation and other investments, including non‐Fidelity funds, having similar risk and return characteristics may be available.

We can change or update the model portfolios at any time. Fidelity will not notify you when they are updated. The model portfolios may contain taxable bond funds. The model portfolios do not attempt to consider the effect of income taxes on performance or returns and does not reflect any opinion on the tax‐appropriateness of the portfolio for any investor. Depending on your tax situation, municipal bond funds may be more appropriate for you. Model portfolios do not consider the effect of taxes, fees and/or expenses associated with investing. Please consult with your investment or tax advisor, if applicable, prior to taking action.

In applying the model portfolio or any other results to your individual situation, be sure to consider other assets, income and investments (e.g., home equity, savings accounts or other retirement accounts) in addition to assets designated for this goal. The model portfolios are not designed to maximize return or predict the highest performing funds.


You will also like:


258 259 260 261 262