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Starting Out: Learn the Basics of Investing

Learn how to choose the right investments

Investing doesn’t have to be complicated, and there are ways to invest that can make it even easier for you. In addition to investing regularly, just learn some basic concepts and you’ll be on your way to a sound investment strategy.

Fidelity believes you should consider:

Choosing a mix of different investments.
Limit risk through asset allocation.*

Spreading your money out among investment types.
For example, buy the stock of many companies instead of one—mutual funds offer a simple way to diversify.

Making adjustments to your investments at least once a year.
Gains and losses can cause your asset allocation to shift, so rebalancing is important.

Using mutual funds as an easy way to invest.
Some funds, called lifecycle funds, use a diversified asset allocation strategy that becomes more conservative over time.

Making regular, automatic investments.
Keep your money working for you by scheduling regular transfers from your bank account to your investments.

Next step

Calculators & Tools: Investing Basics
Learn how to start making your money work for you with tools to help you understand the fundamentals of investing.

Roll over a 401(k)

Have an old workplace savings plan? Consider consolidating your retirement savings.

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.
*Diversification does not ensure a profit or guarantee against loss.
Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

Guidance provided by Fidelity is educational in nature, is not individualized, and is not intended to serve as the primary or sole basis for your investment or tax-planning decisions.

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