## RECSRecommendations Upload File
## RECS '## RECS' indicates a Recommendations pre-process header. Please do not remove these lines.
## RECS
## RECSUse this file to upload product display information to Recommendations. Each product has its own row. Each line must contain 19 values and if not all are filled a space should be left.
## RECSThe last 100 columns (entity.custom1 - entity.custom100) are custom. The name 'customN' can be replaced with a custom name such as 'onSale' or 'brand'.
## RECSIf the products already exist in Recommendations then changes uploaded here will override the data in Recommendations. Any new attributes entered here will be added to the product's entry in Recommendations.
## RECSentity.id, entity.name, entity.categoryId, entity.message, entity.thumbnailUrl, entity.value, entity.pageUrl, entity.inventory, entity.margin, entity.headline, entity.description, entity.largeImageUrl, entity.JobsToBeDone, entity.product, entity.NewProduct, entity.topic,  entity.NewTopic, entity.keywords, entity.section, entity.datePublished, entity.dateStart, entity.dateEnd, entity.published
"tcm:526-193237","Why consider a Roth conversion now?","Article:Viewpoints","Read frequently asked questions about Roth conversions.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/Viewpoints/RET/Roth_conversion_questions_2019_medium.jpg","","https://www.fidelity.com/learning-center/personal-finance/retirement/answers-to-roth-conversion-questions","","","Why consider a Roth conversion now?","Find out about Roth conversions, how to estimate tax liability, and if timing may make a difference.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/Viewpoints/RET/Roth_conversion_questions_2019_large.jpg","[""Open retirement account""]","","[""401(k)"",""Annuities"",""IRA"",""RMD Calculator"",""Retirement accounts"",""Retirement tools"",""Roth 401(k)"",""Roth IRA"",""SIMPLE IRA"",""Traditional IRA""]","","[""Deposits"",""Income tax"",""Required minimum distributions"",""Retirement"",""Taxes""]","","Viewpoints","2020-09-24","","2022-12-31","True"
"tcm:526-10999","Actively managed ETFs","Article:Viewpoints","Here’s how actively managed ETFs differ from passively managed ETFs.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/Viewpoints/II/active_ETFs_2020_medium.jpg","","https://www.fidelity.com/learning-center/investment-products/etf/types-of-etfs-actively-managed","","","Actively managed ETFs","Here’s how actively managed ETFs differ from passively managed ETFs.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/Viewpoints/II/active_ETFs_2020_large.jpg","[""Research investments""]","","[""Actively managed ETFs"",""Exchange traded funds"",""Mutual funds""]","","[""Active management"",""Investing strategies""]","","Viewpoints","2020-07-09","","2021-07-29","True"
"tcm:526-170257","ABCs of 529 plans","Article:Viewpoints","They offer one of the biggest bangs for a college buck. Learn how to make the most of one.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/Viewpoints/PF/abcs_college_medium_2017.jpg","","https://www.fidelity.com/learning-center/personal-finance/college-planning/abcs-of-college-savings-plans","","","The ABCs of 529 savings plans","They offer one of the biggest bangs for a college buck. Learn how to make the most of one.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/Viewpoints/PF/abcs_college_large_2017new.jpg","[""Open college account""]","[""529 Plan"",""UGMA/UTMA""]","[""529 plans"",""Coverdell Education Savings Account"",""Custodial Account"",""Mutual funds"",""UGMA"",""UTMA""]","[""College Planning""]","[""Beneficiaries"",""College planning"",""Deposits"",""Education"",""Income tax"",""Investing strategies"",""Taxes""]","","Viewpoints","2020-02-26","","2020-10-30","True"
"tcm:526-696930","Asking for gifts to a 529","Article:Viewpoints","A gift to a 529 college savings account can provide a lasting benefit.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/Viewpoints/PF/college_gifting_2019_medium.jpg","","https://www.fidelity.com/viewpoints/personal-finance/gift-education-529-contribution","","","How to ask for gifts to a 529","Your loved ones want to give meaningful and significant gifts. How about contributing to a 529?","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/Viewpoints/PF/college_gifting_2019_large.jpg","[""Access college gifting""]","","[""529 plans""]","","[""Deposits"",""Education"",""Family"",""Gifting""]","","Personal Finance","2019-07-17","","2020-12-31","True"
"tcm:526-10972","What is a yield curve?","Article:Viewpoints","A yield curve is a way to measure bond investors' feelings about risk, and can have an impact on the returns you receive on your investments.","","","https://www.fidelity.com/learning-center/investment-products/fixed-income-bonds/bond-yield-curve","","","What is a yield curve?","A yield curve can have a tremendous impact on the returns you receive on your investments.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/LC/LC_yield_curve_large.jpg","[""Research investments""]","[""Bonds""]","[""Bonds"",""Treasury bonds""]","","[""Economic insights"",""Investing strategies""]","","Viewpoints","","","2022-08-31","True"
"tcm:526-11001","International ETFs","Article:Viewpoints","International investing can be an effective way to diversify your equity holdings by providing a means to potentially profit from faster growing economies around the world.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/LC/GlobalEconomy223x149.png","","https://www.fidelity.com/learning-center/investment-products/etf/types-of-etfs-international","","","International ETFs","The amount of international exposure that’s right for you depends upon your risk tolerance.","","[""Research investments""]","[""Exchange-Traded Funds""]","[""Exchange traded funds"",""Mutual funds""]","","[""Economic insights"",""Emerging markets"",""Investing strategies"",""Markets""]","","Viewpoints","","","2022-07-29","True"
"tcm:526-25769","Why dividends matter","Article:Viewpoints","When examining the 2 ways of getting paid to invest—capital gains and dividends—it's natural that dividends have special appeal.","","","https://www.fidelity.com/learning-center/investment-products/stocks/why-dividends-matter","","","Why dividends matter","Not every stock must pay a dividend, but a steady, dependable dividend stream provides nice ballast to a portfolio's return.","","[""Research investments""]","[""Dividend-Paying Stocks""]","[""Dividend-paying stocks"",""Stocks""]","","[""Dividends"",""Investing strategies"",""Taxes""]","","Viewpoints","","","2022-08-19","True"
"tcm:526-193925","Margin requirements for day traders","Article:Viewpoints","Anyone planning to actively trade in a margin account must know there are special margin requirements that apply to day traders.","","","https://www.fidelity.com/learning-center/trading-investing/trading/day-trading-margin","","","Margin requirements for day traders","Anyone planning to actively trade in a margin account must know there are special margin requirements that apply to day traders.","","[""Trade""]","[""Margin""]","[""Trading tools""]","[""Trading""]","[""Margin"",""Trading strategies""]","","Viewpoints","","","2022-06-30","True"
"tcm:526-82992","Are preferred securities right for you?","Article:Viewpoints","Higher yields may be attractive, but understand the risks before you invest.","","","https://www.fidelity.com/learning-center/trading-investing/fundamental-analysis/are-preferred-securities-right-for-you","","","Are preferred securities right for you?","Higher yields may be attractive, but understand the risks before you invest.","","[""Research investments""]","[""Preferred Stocks""]","[""Stocks""]","","[""Dividends"",""Investing strategies""]","","Viewpoints","","","2022-08-26","True"
"tcm:526-100679","Currency and debt","Article:Viewpoints","A globally diverse company typically conducts material volumes of routine business in dozens of currencies throughout the year.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/StockMarkets223x149.jpg","","https://www.fidelity.com/learning-center/trading-investing/fundamental-analysis/currency-and-debt","","","Currency and debt","A globally diverse company typically conducts routine business in dozens of currencies throughout the year.","","[""Trade""]","","[""Fixed income""]","[""Corporate Debt""]","[""Fundamental analysis""]","","Viewpoints","","","2022-08-26","True"
"tcm:526-99768","The significance of corporate default","Article:Viewpoints","For a shareholder, the consequences of a default depend on the type of default and the magnitude of the financial event.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/StockMarkets223x149.jpg","","https://www.fidelity.com/learning-center/trading-investing/fundamental-analysis/significance-of-default","","","The significance of corporate default","Here's a look at some financial events that might be harbingers of default.","","[""Research investments""]","","","[""Corporate Debt""]","[""Fundamental analysis""]","","Viewpoints","","","2022-08-12","True"
"tcm:526-109669","Understanding the differences between domestic, international, and global companies","Article:Viewpoints","From a US investor's perspective, there are 3 broad categories of companies, each subject to different legal and accounting regimes.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/StockMarkets223x149.jpg","","https://www.fidelity.com/learning-center/trading-investing/fundamental-analysis/domestic-international-global-companies","","","Understanding the differences between domestic, international, and global companies","From a US investor's perspective, there are 3 broad categories of companies, each subject to different legal and accounting regimes.","","[""Research investments""]","","","[""Accounting Method""]","[""Economic insights"",""Fundamental analysis"",""Generally Accepted Accounting Principles"",""Investing strategies""]","","Viewpoints","","","2022-08-12","True"
"tcm:526-139067","Computing marketable asset values","Article:Viewpoints","The book value of a company asset as reported in the company’s balance sheet may or may not represent the actual market value of that asset or the future economic value to the company.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/StockMarkets223x149.jpg","","https://www.fidelity.com/learning-center/trading-investing/fundamental-analysis/computing-marketable-asset-values","","","Computing marketable asset values","Asset valuations offer important tools for understanding the valuation of a company under different scenarios and assumptions.","","[""Research investments""]","","","[""Accounting Method""]","[""Fundamental analysis"",""Investing strategies""]","","Viewpoints","","","2022-07-15","True"
"tcm:526-179803","Metrics: Widely used economic gauges and what they mean","Article:Viewpoints","Economic indicators are not always exactly what they seem. Titles may use terms that have plain meanings in common usage, but they are also often terms of art with precise meanings in their technical context.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/StockMarkets223x149.jpg","","https://www.fidelity.com/learning-center/trading-investing/fundamental-analysis/metrics-economic-gauges","","","Metrics: Widely used economic gauges and what they mean","Get to know the technical significance of commonly cited economic indicators.","","[""Research investments""]","","","[""Fundamental Analysis""]","[""Economic insights"",""Sectors and industries""]","","Viewpoints","","","2022-07-29","True"
"tcm:526-231538","Investing in IPOs and other equity new issue offerings","Article:Viewpoints","Learn about investing in IPOs, the process of trading these securities, and risks and rules associated with IPO investments.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/LC/Investing in IPOs223x149.png","","https://www.fidelity.com/learning-center/trading-investing/trading/investing-in-ipos","","","Investing in IPOs and other equity new issue offerings","In essence, an IPO means that a company's ownership is transitioning from private ownership to public ownership—i.e., ""going public.""","","[""Research investments""]","[""IPOs""]","","[""Trading""]","[""Debt management"",""IPO"",""Investing strategies"",""Trading and investing""]","","Viewpoints","","","2022-07-29","True"
"tcm:526-251209","Understanding factor-based investing","Article:Viewpoints","While the emergence of smart beta funds is a recent phenomenon, the underlying investment philosophy has been around for decades. These funds rely on factors. Learn more.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/LC/ETF_223x149.png","","https://www.fidelity.com/learning-center/investment-products/etf/factor-based-investing","","","Understanding factor-based investing","While the emergence of smart beta funds is a recent phenomenon, the underlying investment philosophy has been around for decades.","","[""Research investments""]","[""Exchange-Traded Funds""]","[""Exchange traded funds"",""Exchange traded products"",""Large-cap stocks"",""Mutual funds"",""Small-cap stocks"",""Stocks""]","","[""Economic insights"",""Investing strategies""]","","Viewpoints","","","2022-09-16","True"
"tcm:526-251169","All about alpha, beta, and smart beta","Article:Viewpoints","Learn about the theories behind the recent popularity of smart beta strategies.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/LC/ETF_223x149.png","","https://www.fidelity.com/learning-center/investment-products/etf/smart-beta","","","All about alpha, beta, and smart beta","Learn about the theories behind the recent popularity of smart beta strategies.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/LC/LC_alph_beta_large.jpg","[""Research investments""]","[""Exchange-Traded Funds""]","[""Mutual funds"",""Stocks""]","","[""Investing strategies"",""Market volatility"",""Markets""]","","Viewpoints","","2020-09-18","2022-09-28","True"
"tcm:526-258952","Can the business cycle help you invest?","Article:Viewpoints","The business cycle, which reflects the fluctuations of activity in an economy, can be a critical determinant of equity sector performance over the intermediate term.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/LC/LC_sectors_2020_medium.jpg","","https://www.fidelity.com/learning-center/trading-investing/markets-sectors/intro-sector-rotation-strats","","","Can the business cycle help you invest?","A sector rotation strategy may be appealing for active investors trying to outperform.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/LC/LC_sectors_2020_large.jpg","[""Research investments""]","[""Sectors""]","[""Treasury bonds""]","","[""Business cycle update"",""Economic insights"",""Investing strategies"",""Sectors and industries""]","","Viewpoints","","","2022-03-31","True"
"tcm:526-253357","Technical analysis in 2 minutes","Article:Viewpoints","Learn about the 3 core tenets of technical analysis.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/LC/tech-in-two.png","","https://www.fidelity.com/learning-center/trading-investing/technical-analysis/tech-analysis-2minutes","","","Technical analysis in 2 minutes","To master technical analysis, you must accept the 3 core tenets of the philosophy.","","[""Research investments""]","","","[""Technical Analysis""]","[""Fundamental analysis"",""Technical analysis""]","","Viewpoints","","","2022-09-16","True"
"tcm:526-243708","Why diversify?","Article:Viewpoints","Diversification is the practice of spreading your investments around so that your exposure to any one type of asset is limited. This practice is designed to help reduce the volatility of your portfolio over time.","","","https://www.fidelity.com/learning-center/investment-products/mutual-funds/why-diversify","","","Why diversify?","While diversification can't guarantee a profit or prevent a loss, it can help balance risk and reward with your hard-earned money.","","[""Do not withdraw""]","","[""Bonds"",""Certificates of Deposit"",""Money market funds"",""Mutual funds"",""Stocks""]","","[""Economic insights"",""Investing strategies"",""Portfolio strategies"",""Sectors and industries""]","","Viewpoints","","","2022-08-12","True"
"tcm:526-243713","2 schools of investing: Growth vs. value","Article:Viewpoints","Both growth and value stocks can maximize value for investors, but the 2 schools of investing take different approaches.","https://www.fidelity.com/bin-public/060_www_fidelity_com/images/LC/2 schools of thought 223x149.png","","https://www.fidelity.com/learning-center/investment-products/mutual-funds/2-schools-growth-vs-value","","","2 schools of investing: Growth vs. value","Diversification is a must for prudent investors. Using a mix of growth and value funds is one way you can do this.","","[""Research investments""]","[""Mutual Funds""]","[""Growth stocks"",""Mutual funds"",""Stocks"",""U.S. equity funds"",""Value stocks""]","[""Investing in Mutual Funds""]","[""Investing strategies""]","","Viewpoints","","","2022-08-19","True"