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Learning Center Overview

Women Talk Money

What you need to know for your best financial future.

Join us for honest conversations about the financial realities of being a woman—and what you can do about it. Our 2021 Q&A series continues with a special Mother’s Day event on May 12.

Monthly on the 2^nd Wednesday at 1:00 p.m. ET / 10:00 a.m. PT

women invest

4 out of 10 people—men and women alike—do not realize that women need to save more for retirement. Life expectancy, the pay gap, health care costs, and career interruptions due to caregiving are all contributing factors.

CAREGIVING

The hidden costs of caregiving

There is a financial impact to caring for others far beyond salary: retirement savings and potential growth, Social Security, health care costs, and more.

PERSONAL FINANCE

How to stop feeling guilty about money

There are simple steps to help you feel good about how you spend your money.

INVESTING

7 investing myths and realities

Many people avoid investing because they think it’s complicated or risky. But that doesn’t have to be true at all.

RETIREMENT

Women often need more for retirement

Due to longevity and health care costs, women should plan for longer retirements. Use our 2-minute quiz to find out if you’re on the right track.

Join us for our monthly Q&A sessions, where we’ll talk through a broad range of topics to help you get and stay on track with your financial goals.

Upcoming episodes

May 12 – A special Mother's Day event

Monthly on the 2^nd Wednesday
1:00 p.m. ET / 10:00 a.m. PT

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According to Fidelity research, women often don't invest outside of their retirement plans. Yet when they do it, their returns are better.

Here’s how your money might grow if you invested $25,000 over 5 years in an average market—with a traditional savings account compared to different investing strategies.^*

You can invest on your own or have us choose and manage your investments.

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The investment strategies presented here have different fees, guarantees, and risks, and you should carefully consider these prior to investing. Learn how we calculate these estimates.

You can invest in a single-fund option and still get a diverse investment mix across multiple asset classes. Learn about Fidelity's Asset Management Funds.

Get started

Answer 7 quick questions about yourself. We'll suggest a strategy and manage your money based on what you tell us. Learn about a managed account from Fidelity.

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Each month, we'll explore topics and stories about women and money. We'll also answer your financial questions and show you how to put your money to work to help you reach your goals today and tomorrow.

(Fidelity customer? Please use the email tied to your account.)

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We’ll tell you what to bring, and you can schedule a time that's convenient for you.

Call us anytime to schedule your appointment at

800-343-3548

* Estimates are based on historical returns. Past performance is not indicative of future results. Assumes initial deposit of $5,000 for traditional savings and conservative investment mix with monthly deposits of $333 for 60 months. The timing of deposits and when you are looking to use the money can impact potential return as well as which savings or investment options may be right for you. 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 stayed constant over the course of the goal; 3) no withdrawals occurred from the account during the goal time frame; 4) no fees or taxes were applied; 5) the starting amount and monthly contributions are invested in the model allocation in the stated time period; 6) investments in "traditional savings" and “locked savings" assumes only FDIC insured accounts or certificates of deposits are used. For investing returns, calculations are made by computing the 1, 2, 3, 4, 5,6, 7,8, 9, and 10-year average annual returns based on monthly historical performance of stocks, bonds, and short-term instruments from 1926-2018, obtained from lbbotson 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 of 0.04% from FDIC. Locked rate savings returns are calculated using national average CD rate for 5-year CDs from BankRate (0.32%). CDs are assumed to be purchased once and are not being rolled over upon maturity. When purchasing CDs from within a savings account, all additional monthly contributions into the savings account, as well as continuing savings with the proceeds of a CD after it matures, are assumed to be earning a national average saving account rate from FDIC.

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

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

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Managing money

Find out how to make the most of your money by creating a solid financial foundation.

How is this calculated?

Assumes initial deposit of $5,000 for traditional savings and conservative investment mix with monthly deposits of $333 for 60 months. The timing of deposits and when you are looking to use the money can impact potential return as well as which savings or investment options may be right for you. Here are some assumptions we are making.

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.
Estimated/Average return rates stay constant over the course of the goal.
You won't make any withdrawals from the account during the goal timeframe.
No fees or taxes will be applied.
Your starting amount and monthly contributions are invested in the model allocation in the stated time period.
Investments in “traditional savings” and “locked savings” assumes only FDIC insured accounts or certificates of deposits are used.

Women Talk Money

Women Talk Money live