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Asset allocation funds combine multiple asset classes in a single portfolio, making them a simple and disciplined way to diversify your investments.
A portfolio that offers exposure to a mix of different types of assets can help reduce the impact of market volatility, provide a source of income, and offer the potential for capital appreciation.
|Target date funds||
Designed to take the guesswork out of saving for retirement. The professionally managed, diversified asset allocation tends to be more aggressive when the target date is many years away, automatically becoming more conservative over time. Learn more about Fidelity’s target date funds, called Fidelity Freedom® Funds1.
|Target allocation funds||
For investors who want a fund that maintains a target asset allocation that reflects the tolerance for risk with which they are comfortable. Funds contain a professionally managed allocation of stocks, bonds, and short-term investments. Learn more about types of target allocation funds.
|Income and real return strategies||
For investors seeking a combination of income and total return, each fund focuses on one component of an approach to investing for income: U.S. and non-U.S. bonds; dividend-yielding stocks and other non-bond sources; and types of investments that have historically outperformed inflation, such as commodities and real estate. Learn more about Fidelity's income and real return strategies called Fidelity Strategic Funds.
|Income replacement funds||
Designed for those relying on a portion of their savings to help meet retirement expenses, these funds are managed to convert savings into a regular stream of monthly income that is intended to last for a set time period. Learn more about Fidelity Income Replacement FundsSM.
|World allocation funds||
For investors who want global investment exposure in a single fund. These funds give managers the flexibility to invest in a range of securities at their discretion in order to take advantage of opportunities around the world. Learn more about Fidelity world allocation funds.
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 avoiding losses caused by price volatility by holding them until maturity is not possible.
The commodities industry can be significantly affected by commodity prices, world events, import controls, worldwide competition, government regulations, and economic conditions.
Changes in real estate values or economic downturns can have a significant negative effect on issuers in the real estate industry.