Your goals and personal situation influence the amount of risk that's appropriate for you
It starts with your investment mix
Investment mix may impact risk and return in your portfolio
Choosing an appropriate investment mix is one of the most important decisions you can make as an investor. It reflects how your portfolio is split among stocks, bonds, and short-term investments in order to target a certain level of risk and return. A more aggressive portfolio (one with a higher percentage of stocks) would likely represent greater risk, especially in the short term, but with potentially higher long-term returns. On the other hand, a less aggressive portfolio (one with a lower percentage of stocks and a higher percentage of bonds or short-term investments) would likely represent less short-term risk, but with potentially lower long-term returns.
When you work with us, we'll get to know you, your time horizon, financial situation, and tolerance for risk. Then using what you tell us, we'll work to choose an appropriate investment mix for you.
Indexes are unmanaged. It is not possible to invest directly in an index.
Generally, among asset classes stocks are more volatile than bonds or short-term instruments and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Although the bond market is also volatile, lower-quality debt securities including leveraged loans generally offer higher yields compared to investment grade securities, but also involve greater risk of default or price changes. Foreign markets can be more volatile than U.S. markets due to increased risks of adverse issuer, political, market or economic developments, all of which are magnified in emerging markets.
Past performance is no guarantee of future results.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
Optional investment management services provided for a fee through Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser and a Fidelity Investments company. Discretionary portfolio management provided by its affiliate, Strategic Advisers LLC, a registered investment adviser. These services are provided for a fee.
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, FPTC, FBS, and NFS are Fidelity Investments companies.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917