Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
1. Assumes a one-time deposit of $5,000 for traditional savings and conservative investment mix. Here are some assumptions we are making: 1) The average market return corresponds to the 50th percentile of the returns. Conservative Investing mix is based on 20% stocks, 50% Bonds, 30% Short Term investments, 2). Estimated/Average return rates stay constant over the course of the goal 3. ) You won't make any withdrawals from the account during the goal timeframe. 4) No fees or taxes will be applied 5) Your starting amount is invested in the model allocation in the stated time period. 6) Investments in "traditional savings" assumes an FDIC insured account as of 2/14/19. For investing returns, calculations are made by computing the 5 year -average annual returns based on monthly historical performance of stocks, bonds and short-term instruments from 1926-2018, obtained from Ibbotson Associates. Returns include the reinvestment of dividends and other earnings. The assets are rebalanced monthly to the stated asset mix. Any chart is for illustrative purposes only and does not represent actual or implied performance of any investment option. Stocks are represented by the Dow Jones Total Market Index from March 1987 to latest calendar year. From 1926 to February 1987, stocks are represented by the Standard & Poor's 500® Index (S&P 500® Index). The S&P 500® Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industry group representation to represent U.S. equity performance. Bonds are represented by the Barclays U.S. Aggregate Bond Index from January 1976 to the latest calendar year. The Barclays U.S. Aggregate Bond Index is a market value-weighted index of investment-grade fixed-rate debt issues, including government, corporate, asset-backed, and mortgage-backed securities, with maturities of one year or more. From 1926 to December 1975, bonds are represented by the U.S. Intermediate Government Bond Index, which is an unmanaged index that includes the reinvestment of interest income. Short-term instruments are represented by U.S. Treasury bills, which are backed by the full faith and credit of the U.S. government. Savings returns are calculated using a national average savings account rate from FDIC.
Diversification and asset allocation do not ensure a profit or guarantee against loss.
2.
Zero account fees apply only to retail brokerage accounts. If you choose to invest in mutual funds, underlying fund expenses still apply. There may also be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e.g., managed accounts). Additionally, accounts that have been opened through, or are serviced by, an intermediary, or in connection with your workplace benefits, may incur additional fees or restrictions. See Fidelity.com/commissions for more information.
3. There is no minimum amount required to open a Fidelity Go account. However, in order for us to invest your money according to the investment strategy you've chosen, your account balance must be at least $10. The money for all accounts with balances of less than $10 will be kept in short-term investments, with no advisory fee charged, until such time as your account balance reaches $10.
Fidelity Go® provides discretionary investment management 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. Any use of the words "we," "our," or "us" refers to one or more of these entities.
Fidelity Brokerage Services, Member NYSE, SIPC 900 Salem Street, Smithfield, RI 02917.
