Fidelity Fund Portfolios—Diversified

Whether you want to pick your own funds or prefer the hands-off approach, we'll help you explore ways to select the portfolio that works for you.

Questions?

Two paths to a diversified portfolio

Here are two strategies to help you create a diversified portfolio that may be suited to your needs—risk-based model portfolios constructed for a hypothetical investor to use as inspiration, and single-fund strategies that we manage so you don’t have to do the research and rebalancing.

Use our model portfolios to help generate ideas

If you prefer to pick the funds you want in your portfolio, our model portfolios* show one way you might construct a well-diversified portfolio of Fidelity mutual funds based on your risk tolerance and financial situation. These combinations provide illustrations of potential opportunities for greater potential risk-adjusted returns over the long term.

How you invest starts with choosing an asset mix that is in line with your current circumstances and your short- and long-term goals. You can also find these, and other, model portfolios in our Planning & Guidance Center, which can help you determine the right mix for you. If you know your asset mix, you can select it below.

*As of 9/15/2016

This asset mix may be appropriate for investors who want to minimize the effect of market fluctuations by taking an income-oriented approach with some potential for capital appreciation.

Asset Mix

14% Domestic Stock
6% Foreign Stock
50% Bonds
30% Short Term
Asset Type Fund Name Allocation
Domestic Stock Fidelity 500 Index Fund - Investor Class (FUSEX) 7%
Domestic Stock Fidelity Mid Cap Index Fund - Investor Class (FSCLX) 7%
Foreign Stock Fidelity International Capital Appreciation Fund (FIVFX) 6%
Bonds Fidelity Government Income Fund (FGOVX) 5%
Bonds Fidelity Intermediate Bond Fund (FTHRX) 13%
Bonds Fidelity Investment Grade Bond Fund (FBNDX) 6%
Bonds Fidelity Mortgage Securities Fund (FMSFX) 9%
Bonds Fidelity Total Bond Fund (FTBFX) 8%
Bonds Fidelity U.S. Bond Index Fund - Investor Class (FBIDX) 9%
Short Term Fidelity Government Cash Reserves (FDRXX) 30%

The primary objective of these Fidelity Model Portfolios is to provide a representation of just one way you might construct a well-diversified portfolio of Fidelity mutual funds based on a particular risk tolerance level. Each of these model portfolios attempts to closely match the risk levels (volatility), asset class weights (stocks, bonds, and short-term), equity sector weights (technology, cyclicals, etc.) and foreign stock holdings (which are part of the stock allocation) of the five target asset mixes shown here. Learn more about our target asset mixes and model portfolios and see our methodology (PDF).

This asset mix may be appropriate for investors who want to seek income and the potential for capital appreciation (with a slight priority on income) and who can withstand moderate fluctuations in market values.

Asset Mix

21% Domestic Stock
9% Foreign Stock
50% Bonds
20% Short Term
Asset Type Fund Name Allocation
Domestic Stock Fidelity 500 Index Fund - Investor Class (FUSEX) 11%
Domestic Stock Fidelity Mid Cap Index Fund - Investor Class (FSCLX) 8%
Domestic Stock Fidelity Small Cap Stock Fund (FSLCX) 2%
Foreign Stock Fidelity International Capital Appreciation Fund (FIVFX) 9%
Bonds Fidelity Government Income Fund (FGOVX) 4%
Bonds Fidelity Intermediate Bond Fund (FTHRX) 13%
Bonds Fidelity Investment Grade Bond Fund (FBNDX) 6%
Bonds Fidelity Mortgage Securities Fund (FMSFX) 9%
Bonds Fidelity Total Bond Fund (FTBFX) 9%
Bonds Fidelity U.S. Bond Index Fund - Investor Class (FBIDX) 9%
Short Term Fidelity Government Cash Reserves (FDRXX) 20%

This asset mix may be appropriate for investors who want to seek income and the potential for capital appreciation (with a slight priority on capital appreciation) and who can withstand moderate fluctuations in market values.

Asset Mix

28% Domestic Stock
12% Foreign Stock
45% Bonds
15% Short Term
Asset Type Fund Name Allocation
Domestic Stock Fidelity 500 Index Fund - Investor Class (FUSEX) 14%
Domestic Stock Fidelity Mid Cap Index Fund - Investor Class (FSCLX) 9%
Domestic Stock Fidelity Small Cap Stock Fund (FSLCX) 5%
Foreign Stock Fidelity International Capital Appreciation Fund (FIVFX) 8%
Foreign Stock Fidelity Overseas Fund (FOSFX) 4%
Bonds Fidelity Intermediate Bond Fund (FTHRX) 13%
Bonds Fidelity Investment Grade Bond Fund (FBNDX) 6%
Bonds Fidelity Mortgage Securities Fund (FMSFX) 10%
Bonds Fidelity Total Bond Fund (FTBFX) 8%
Bonds Fidelity U.S. Bond Index Fund - Investor Class (FBIDX) 8%
Short Term Fidelity Government Cash Reserves (FDRXX) 15%

This asset mix may be appropriate for investors who want the potential for capital appreciation and some growth and who can withstand moderate fluctuations in market value.

Asset Mix

35% Domestic Stock
15% Foreign Stock
40% Bonds
10% Short Term
Asset Type Fund Name Allocation
Domestic Stock Fidelity 500 Index Fund - Investor Class (FUSEX) 14%
Domestic Stock Fidelity Equity Dividend Income Fund (FEQTX) 6%
Domestic Stock Fidelity Mid Cap Index Fund - Investor Class (FSCLX) 8%
Domestic Stock Fidelity Small Cap Stock Fund (FSLCX) 7%
Foreign Stock Fidelity International Capital Appreciation Fund (FIVFX) 9%
Foreign Stock Fidelity Overseas Fund (FOSFX) 6%
Bonds Fidelity Intermediate Bond Fund (FTHRX) 11%
Bonds Fidelity Investment Grade Bond Fund (FBNDX) 6%
Bonds Fidelity Mortgage Securities Fund (FMSFX) 9%
Bonds Fidelity Total Bond Fund (FTBFX) 7%
Bonds Fidelity U.S. Bond Index Fund - Investor Class (FBIDX) 7%
Short Term Fidelity Government Cash Reserves (FDRXX) 10%

The primary objective of these Fidelity Model Portfolios is to provide a representation of just one way you might construct a well-diversified portfolio of Fidelity mutual funds based on a particular risk tolerance level. Each of these model portfolios attempts to closely match the risk levels (volatility), asset class weights (stocks, bonds, and short-term), equity sector weights (technology, cyclicals, etc.) and foreign stock holdings (which are part of the stock allocation) of the five target asset mixes shown here. Learn more about our target asset mixes and model portfolios and see our methodology (PDF).

This asset mix may be appropriate for investors who want to seek moderate growth and income and who can withstand moderate fluctuations in market values.

Asset Mix

42% Domestic Stock
18% Foreign Stock
35% Bonds
5% Short Term
Asset Type Fund Name Allocation
Domestic Stock Fidelity 500 Index Fund - Investor Class (FUSEX) 13%
Domestic Stock Fidelity Equity Dividend Income Fund (FEQTX) 9%
Domestic Stock Fidelity Low-Priced Stock Fund (FLPSX) 3%
Domestic Stock Fidelity Mid Cap Index Fund - Investor Class (FSCLX) 11%
Domestic Stock Fidelity Small Cap Stock Fund (FSLCX) 6%
Foreign Stock Fidelity International Capital Appreciation Fund (FIVFX) 10%
Foreign Stock Fidelity Overseas Fund (FOSFX) 8%
Bonds Fidelity Intermediate Bond Fund (FTHRX) 10%
Bonds Fidelity Mortgage Securities Fund (FMSFX) 9%
Bonds Fidelity Total Bond Fund (FTBFX) 12%
Bonds Fidelity U.S. Bond Index Fund - Investor Class (FBIDX) 4%
Short Term Fidelity Government Cash Reserves (FDRXX) 5%

This asset mix may be appropriate for investors who have a preference for growth and who can withstand significant fluctuations in market value.

Asset Mix

49% Domestic Stock
21% Foreign Stock
25% Bonds
5% Short Term
Asset Type Fund Name Allocation
Domestic Stock Fidelity 500 Index Fund - Investor Class (FUSEX) 12%
Domestic Stock Fidelity Equity Dividend Income Fund (FEQTX) 10%
Domestic Stock Fidelity Growth Strategies Fund (FDEGX) 5%
Domestic Stock Fidelity Low-Priced Stock Fund (FLPSX) 5%
Domestic Stock Fidelity Mid Cap Index Fund - Investor Class (FSCLX) 12%
Domestic Stock Fidelity Small Cap Stock Fund (FSLCX) 5%
Foreign Stock Fidelity International Capital Appreciation Fund (FIVFX) 11%
Foreign Stock Fidelity Overseas Fund (FOSFX) 10%
Bonds Fidelity Intermediate Bond Fund (FTHRX) 6%
Bonds Fidelity Mortgage Securities Fund (FMSFX) 7%
Bonds Fidelity Total Bond Fund (FTBFX) 12%
Short Term Fidelity Government Cash Reserves (FDRXX) 5%

The primary objective of the Fidelity Fund Portfolios–Income is to provide a representation of just one way you might construct a portfolio of Fidelity mutual funds, designed for the purpose of providing a focus on interest and dividend income, over a range of long term risk levels, which are consistent with the asset allocations of a (sub)set of Fidelity’s Target Asset Mixes (TAMs). The Fidelity Fund Portfolios–Income represent three distinct income‐focused model portfolios (Conservative–Income, Balanced–Income, and Growth–Income) consistent with different levels of long-term risk. To learn more about our model portfolios, please see our methodology (PDF).

This asset mix may be appropriate for investors who seek aggressive growth and who can tolerate wide fluctuations in market values, especially over the short term.

Asset Mix

60% Domestic Stock
25% Foreign Stock
15% Bonds
0% Short Term
Asset Type Fund Name Allocation
Domestic Stock Fidelity 500 Index Fund - Investor Class (FUSEX) 11%
Domestic Stock Fidelity Equity Dividend Income Fund (FEQTX) 8%
Domestic Stock Fidelity Export and Multinational Fund (FEXPX) 13%
Domestic Stock Fidelity Growth Strategies Fund (FDEGX) 8%
Domestic Stock Fidelity Low-Priced Stock Fund (FLPSX) 5%
Domestic Stock Fidelity Mid Cap Index Fund - Investor Class (FSCLX) 10%
Domestic Stock Fidelity Small Cap Stock Fund (FSLCX) 5%
Foreign Stock Fidelity International Capital Appreciation Fund (FIVFX) 10%
Foreign Stock Fidelity International Growth Fund (FIGFX) 5%
Foreign Stock Fidelity Overseas Fund (FOSFX) 10%
Bonds Fidelity Intermediate Bond Fund (FTHRX) 5%
Bonds Fidelity Total Bond Fund (FTBFX) 10%

The primary objective of these Fidelity Model Portfolios is to provide a representation of just one way you might construct a well-diversified portfolio of Fidelity mutual funds based on a particular risk tolerance level. Each of these model portfolios attempts to closely match the risk levels (volatility), asset class weights (stocks, bonds, and short-term), equity sector weights (technology, cyclicals, etc.) and foreign stock holdings (which are part of the stock allocation) of the five target asset mixes shown here. Learn more about our target asset mixes and model portfolios and see our methodology (PDF).

This asset mix may be appropriate for investors who seek very aggressive growth and who can tolerate very wide fluctuations in market values, especially over the short term.

Asset Mix

70% Domestic Stock
30% Foreign Stock
0% Bonds
0% Short Term
Asset Type Fund Name Allocation
Domestic Stock Fidelity 500 Index Fund - Investor Class (FUSEX) 18%
Domestic Stock Fidelity Equity Dividend Income Fund (FEQTX) 12%
Domestic Stock Fidelity Export and Multinational Fund (FEXPX) 8%
Domestic Stock Fidelity Growth Strategies Fund (FDEGX) 9%
Domestic Stock Fidelity Low-Priced Stock Fund (FLPSX) 5%
Domestic Stock Fidelity Mid Cap Index Fund - Investor Class (FSCLX) 11%
Domestic Stock Fidelity Small Cap Stock Fund (FSLCX) 7%
Foreign Stock Fidelity International Capital Appreciation Fund (FIVFX) 9%
Foreign Stock Fidelity International Growth Fund (FIGFX) 10%
Foreign Stock Fidelity Overseas Fund (FOSFX) 11%

The primary objective of these Fidelity Model Portfolios is to provide a representation of just one way you might construct a well-diversified portfolio of Fidelity mutual funds based on a particular risk tolerance level. Each of these model portfolios attempts to closely match the risk levels (volatility), asset class weights (stocks, bonds, and short-term), equity sector weights (technology, cyclicals, etc.) and foreign stock holdings (which are part of the stock allocation) of the five target asset mixes shown here. Learn more about our target asset mixes and model portfolios and see our methodology (PDF).

Help simplify the process with our single-fund strategies

If you don't want to research which funds fit your needs and then do the ongoing rebalancing work necessary to maintain your portfolio, then Fidelity's single-fund strategies might be right for you.

Fidelity Asset Manager® Funds
Fidelity Asset Manager® Funds allow you to choose an asset mix based on your own risk tolerance and offer diversification across multiple asset classes.

Fidelity Freedom® Funds
Fidelity Freedom® Funds, also called target date funds, are single-fund investment strategies that can help take the guesswork out of building and maintaining an age-based retirement portfolio.