I opened the account, and I was able to fund it for 2019 and 2020. Information that you input is not stored or reviewed for any purpose other than to provide search results. A distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, qualified first-time home purchase, or death. And your preferences may change over time as you do. For example, if you invest $1,000 in your Roth IRA in a certificate of deposit earning 2% per year, you'll earn $20 in interest that first year. Including a leveraged ETF in your Roth IRA … There are plenty of resources online to help you understand the inner workings of Roth … It is not possible to invest directly in a market index. You should choose your own investments based on your particular objectives and situation. 4. When you open a new Fidelity Brokerage or Retirement Account, we automatically put your uninvested cash into the Fidelity® Government Money Market Fund (unless you choose another cash option). When you begin saving for retirement at an early age, time is your ally. Its zero-fee index funds ice the cake. In 2020, the Roth IRA contribution limit is $6,000, or 100% of income a child earns, whichever is less. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). New to investing, just opened a Fidelity Roth IRA, would like some advice on allocation. Stocks, while the most volatile, have historically had higher potential for growth. This chart is for illustrative purposes only and does not represent actual or future performance of any investment option. The chart shows how a $6,000 IRA investment could grow to $64,059 over 35 years. IRAs allow you to choose from individual securities, such as stocks, bonds, certificates of deposit (CDs), exchange-traded funds (ETFs), or a "single-fund" option. The money is now in SPAXX (Fidelity Government Money Market). First of all sorry because I'm sure questions like this get asked a lot but I am 25 years old and am trying to get ahead on investing. Stocks are represented by the Standard & Poor’s 500. Past performance is no guarantee of future results. Read it carefully. Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. The purpose of the target asset mixes is to show how target asset mixes may be created with different risk and return characteristics to help meet an investor's goals. Information that you input is not stored or reviewed for any purpose other than to provide search results. See which accounts rank as the best. So I just started my Roth IRA the other day. Roth IRAs can be great, but there are some restrictions to be aware of when investing in these accounts. Contribute to your IRA Already have a Fidelity IRA? Stocks offer the most growth potential. Here are 3 ways to help get started when investing in an IRA. $150 p/month = $50 into each?) Get a weekly email of our pros' current thinking about financial markets, investing strategies, and personal finance. Well, Fidelity requires no minimum investment amount to open an IRA if you have contributions automatically made from your bank account, so you can open and maintain a Roth IRA … Grow your savings and enjoy tax-free retirement withdrawals with a Roth IRA. Investing. They are similar to mutual funds but trade throughout the day. When saving for something really big, like retirement, it's important to get invested as soon as possible. However, creating leverage within a Roth IRA can be next to impossible due to investment restraints on retirement accounts. For example, if you invest $1,000 in your Roth IRA in a certificate of deposit earning 2% per year, you'll earn $20 in interest that first year. That way you'll be less likely to panic and sell when stocks fall—because doing so can lock in losses and could make it harder to recover and reach your goals. Get started with Fidelity. Posted by 1 year ago. My Roth IRA at Fidelity has about 55% FZROX (US stocks, 0% ER, so slightly cheaper than FSKAX still), 35% FZILX (Intl stocks, 0% ER), and 10% FXNAX (US bonds, 0.025% ER). If you get all freaked out during another recession and pull your money out, you’re going to lose out on the big returns. The best Roth IRA investments take advantage of its tax status. Where To Invest Right Now – Crisis Investing What To Invest In Fidelity Roth Ira . Fundrise is a relatively new player on the scene, and it’s … If the outlook for your financial situation seems uncertain, it can make sense to have a relatively lower allocation to stocks. For those who prefer to have an investment professional manage an IRA, learn about Fidelity managed accounts. It is a violation of law in some jurisdictions to falsely identify yourself in an email. Please enter a valid first name. Copyright 1998-2020 FMR LLC. There's no one right way to approach investing—only the right one for you. Data source: Morningstar, Inc., 2017 (January 1926–December 2016). How much risk can you stomach? I started a nice new job a couple months ago and have a Roth … Stocks are represented by the Standard & Poor’s 500 Index (S&P 500. I’m 22 and just opened my account at Fidelity, so obviously I have a long time horizon. That's because the longer the money will be invested, the more time there is to ride out any market ups and downs. Decided to roll with FDKLX. As with any search engine, we ask that you not input personal or account information. Indeed, market pullbacks, when prices are low, are often the best times to invest for long-term growth potential. But for most people, that's not enough. Consider a professionally managed target date or asset allocation fund. The fee is subject to change. Opening a Roth IRA for your kids offers investment options, tax-free growth, and a great lesson in how to save Jean Folger 2020-12-21T23:18:26Z Starting my Roth IRA was my major financial move for 2020. Archived. Mutual funds are a solid investment option for many investors. First of all sorry because I'm sure questions like this get asked a lot but I am 25 years old and am trying to get ahead on investing. IRAs allow you to choose from individual securities, such as stocks, bonds, certificates of deposit (CDs), exchange-traded funds (ETFs), or a "single-fund" option. Fidelity: Best Overall. Low-fee investments that simply track the broad market through a benchmark index, may also be worth considering. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. Tax-deferred growth can help savings potentially grow faster. I have completed the initial rung by transferring some of my 401(k) money to a new Roth with Fidelity. Fidelity Investments offers a smart Roth IRA option with no annual account fees and no required minimum to open an account. e.g. A Roth IRA allows for the opposite: you pay income taxes on the money you contribute, but then can take it out tax-free. 05/28/2020. Fidelity believes one of the best ways to do that over the long term is by considering an appropriate amount to invest in a diversified portfolio of stock mutual funds, exchange-traded funds (ETFs), or individual stocks as you plan and implement an investment strategy that fits your time horizon, risk preferences, and financial circumstances. As with any search engine, we ask that you not input personal or account information. Your retirement account has time to recover from setbacks, and any immediate losses could be recovered. Account minimums may apply to certain account types (e.g., managed accounts) and/or the purchase of some Fidelity mutual funds that have a minimum investment requirement. How much the account earns depends on the investments … Please Click Here to go to Viewpoints signup page. Investing involves risk, including risk of loss. Annuities (classified deferred or income) may help you increase savings, protect your savings, or guarantee* income for life. Currently, my deposit is sitting in the Fidelity Cash Reserves, which I don't think accumulates much, if any, interest. I FIREd in April 2019, and because I am 44 years old I am using a Roth Ladder to convert my 401(k) (with Fidelity) to a Roth (also with Fidelity). In these funds, the manager sets and maintains a fixed asset mix. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation. However, investing too conservatively could limit the growth potential of your money. See Fidelity.com/commissions for details. That could help realize the potential for growth in your investments, which may be an important factor in saving enough for retirement. Please enter a valid email address. Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. The asset class (index) returns reflect the reinvestment of dividends and other earnings. The subject line of the email you send will be "Fidelity.com: ". The network records for each one Fidelity roth ira Bitcoin transaction onto these ledgers and point in time propagates them to altogether of the other ledgers on the network. Before investing in any mutual fund or exchange-traded fund, you should consider its investment objectives, risks, charges, and expenses. When your Roth IRA is held by a brokerage, the firm can facilitate the purchase of exchange traded funds (ETFs). Starting my Roth IRA was my major financial move for 2020. I’m looking for a mutual fund to put my money into with a target year of 2060. But don't forget that growth remains important even as you approach and then enter retirement—after all, your retirement could last 3 decades or more. Feb 28, 2019 … Open a Roth IRA from the #1 IRA Provider, Fidelity. John, D'Monte. Fidelity offers $0 stock trades, 3,500-plus no-transaction-fee mutual funds and top-notch research and trading tools. Guarantees are subject to the claims-paying ability of the issuing insurance company. By using this service, you agree to input your real email address and only send it to people you know. Posted by 2 months ago. A Roth Individual Retirement Account (IRA) is a retirement plan similar to a traditional one. If you … For those closer to retirement, a healthy allocation to stocks may still be appropriate. As a general rule, in the absence of changes to risk tolerance or financial situation, one's asset mix should become progressively more conservative as the investment horizon shortens. Roth IRA Investment on Fidelity. When I came to the realization that I needed to start saving for my future in retirement, I found that the best way to start was with a Roth IRA.. Age can also be used as an initial guideline when determining how much to invest in stocks when you're investing for retirement. Roth Conversion Checklists Follow these steps to convert a Traditional IRA or an old 401(k) to a Roth IRA. You don’t get a tax deduction for making contributions, the way you do with other retirement plans. You should begin receiving the email in 7–10 business days. 2. New to investing, just opened a Fidelity Roth IRA, would like some advice on allocation. Data Source: Fidelity Investments and Morningstar Inc. Plus, Fidelity offers commission-free trades for online US stocks and ETFs* and when you open a new retail brokerage account. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. You're saving in an IRA. Like any IRA, Roth IRAs have flexible limits on what they can hold as investment assets. Using this information, we will look at the best Roth IRA investments, as part of a larger investment strategy. The average return: 5.94% for the conservative vs. 9.63% for the aggressive mix. The major difference between the two is the way that they are taxed. Here is a review of Fidelity Investments, a solid option. The potential for growth in your investment mix can be vital to helping you save enough to live the life you want in retirement. Fidelity IRAs have no account fees or minimums to open, plus $0 commission for online US stock, ETF, and option trades1 and great rates on cash.2. IRA distributions before age 59½ may also be subject to a 10% penalty. Be sure to review your decisions periodically to make sure they are still consistent with your goals. Our digital solutions and experienced advisors can help you meet all your financial goals. Please enter a valid last name. In your bill-paying account, a loss could very well jeopardize your ability to pay rent next month. Target date investments are generally designed for investors expecting to retire around the year indicated in each investment's name. If you want to open a Roth IRA account, a great place to start is Ally Invest. You likely won’t find the Zero funds in your 401(k), as most providers wait until funds are at least 3 years old before adding them, but FZROX is available in any Fidelity IRA. Certificates of deposit, or CDs, are fixed income investments that generally pay a set rate of interest over a fixed time period. You've taken an important step on the road to a comfortable retirement. New to investing, just opened a Fidelity Roth IRA, would like some advice on allocation. Specifically for step 3 the transfer from Traditional IRA to Roth IRA has to be done over the phone with Fidelity, there isn’t a way to do it from … 3. When you are ready to move your money, call Fidelity at 800-558-9182 to process the conversion rollover. From the third quarter of 2019 to the third quarter of 2020, 58% of all IRA contributions at Fidelity Investments were to Roth IRA accounts, according to the company. In most cases, long-term Roth IRA investments turn out to be more profitable than trading because of the lesser risk involved. Having a … A Roth IRA is one of the best accounts for growing tax-free retirement savings, and it takes just 15 minutes to open one. Fidelity ranks as our top overall pick for the best Roth IRA for several reasons. Email address can not exceed 100 characters. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are subject to different commission schedules. The investments are managed to gradually become more conservative over time. If they did, amounts would be lower. That could help realize the potential for growth in your investments which may be an important factor in saving enough for retirement. The asset class (index) returns reflect the reinvestment of dividends and other earnings. Retirement. Rollover IRA. Create an appropriate investment strategy for your IRA. Fidelity Investments retirement account annual, maintenance, inactivity, and termination charges schedule. Hypothetical value of assets held in untaxed portfolios invested in US stocks, foreign stocks, bonds, or short-term investments. But in order for your money to grow, you have to invest it. The IRS puts an income ceiling on your ability to contribute to a Roth IRA. Not enough time, knowledge, or interest to build and manage an asset mix? Email address must be 5 characters at minimum. Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. What $100 would be worth over the history of the stock market. Earnings and pretax (deductible) contributions from a traditional IRA are subject to taxes when withdrawn. In general, the younger you are, the heavier your investment mix could tilt toward stock mutual funds or ETFsas much as you are comfortab… Fidelity IRA Accounts Fidelity Investments (member of SIPC) is a low-cost broker that manages to deliver above-average services. And with a Roth IRA, your money can compound tax-free for decades. Keep in mind that investing involves risk. Investment advisory offerings I’ve done a lot of research but I’m stuck between two allocation options. This information is intended to be educational and is not tailored to the investment needs of any specific investor. At the end of the day just like any investment there are multiple factors to consider when doing any investment and that includes deciding on how to invest your Roth IRA. Once you've opened your account, there are several ways to fund it. Some investments take better advantage of a Roth IRA's unique characteristics. With a traditional IRA or 401(k), all of the benefits are on the front end (instant gratification) versus the back end (delayed gratification) benefits of the Roth IRA/Roth 401(k). Pick funds based on your risk tolerance and financial situation. I’ve done a lot of research but I’m stuck between two allocation options. Across most investment time frames, investing for growth matters. 5 1 15. Fidelity Investments ROTH/Traditional IRA Accounts (2021) Fidelity Roth IRA, SEP/Simple IRA, traditional, and 401K rollover IRA. $0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs), and options (+ $0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Take a look at the worst case market scenarios for the 4 different investment mixes shown below. I opened the Roth IRA also with Fidelity, and was hoping someone would be able to shed some light on some good holding options. The top age prior to the law was 70½. See Fidelity.com/commissions and/or the fund's prospectus for details. If you had invested $100 in stocks in 1926, it would be worth $587,000, versus $11,800 if you'd invested in bonds and $2,300 in short-term instruments.1. Get potential tax-free growth and withdrawals.3. But with retirement nearer, investors must balance that need for growth against the need to protect what they have saved. Mutual funds are a practical, cost-efficient way to build a diversified portfolio of stocks, bonds, or short-term investments. Invest your retirement nest egg too conservatively at a young age, and you run the risk that the growth rate of your investments won't keep pace with inflation. A lot of people are panicking, not only because of the present virus walking around, however they know that there is a massive chance to make a lots of cash now. Ultimately, the appropriate asset mix is one you can live with—one that reflects your risk tolerance, investment horizon, and financial situation. A Roth IRA is a retirement account, which means you need to invest with the long-term in mind. I opened the account, and I was able to fund it for 2019 and 2020. (Getty Images) Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917. ETFs are subject to market fluctuations of their underlying investments and may trade at a discount to NAV. I am not sure if the idea would be to invest equal amounts of money into each one (i.e. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation. It is a violation of law in some jurisdictions to falsely identify yourself in an email. Fidelity does not guarantee accuracy of results or suitability of information provided. Past performance is no guarantee of future results. Consider putting your money to work by investing for growth. A distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, qualified first-time home purchase, or death. The Secure Act, signed into law on December 20, 2019, removed the age limit in which an individual can contribute to an IRA. A rollover IRA that offers the same features as a traditional IRA may be right for you. Fidelity Roth IRA. Diversification and asset allocation do not ensure a profit or guarantee against loss. I've been trying to find funds that have low minimum initial investments since I only have $1500, but they are all at least $2500. Fidelity Roth IRA. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are subject to different commission schedules. On the other hand, if you'll need the money in just a few years—or if the prospect of losing money makes you too nervous—consider a higher allocation to generally less volatile investments, such as bonds and short-term investments. Conclusion At the end of the day just like any investment there are multiple factors to consider when doing any investment and that includes deciding on how to invest your Roth IRA . The chart also shows how each investment mix performed over a long period of time, in different markets. The key is to understand your own investing needs and goals so you can make the right choices and have more confidence about your financial future. I need advice for my new Roth IRA account. Straightforward investments such as individual stocks, bonds, exchange-traded funds (ETFs), index funds and mutual funds are suitable for Roth IRAs, but some asset classes are not … Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund. Age can also be used as an initial guideline when determining how much to invest in stocks when you're investing for retirement. Other exclusions and conditions may apply. So, it may make sense to gradually reduce the percentage of stocks in your portfolio, while increasing investments in bonds and short-term investments. Fidelity Account - Investopedia Fidelity as Fidelity, are starting mainstream financial institutions, such Your Retirement Account - and Why It's Still Expands Bitcoin Operations. The next step is to invest that money—and give it the potential to grow. It's important that the stock exposure you select matches your comfort with risk, your investment timeframe, and your financial situation. Roth IRA, traditional IRA, and 401(k) were all foreign terms to me just a few years ago. First, however, let's review what a Roth IRA is and why you might want to save for jed mccaleb of mt gox in trouble retirement with one. Don't have the time, expertise, or interest it would take to choose investments and maintain an appropriate mix of investments in your IRA? These include: Mutual Funds. And starting in 2020, as long as you are still working, there is no age limit to be able to contribute to a Traditional IRA. – This chart is for illustrative purposes only and does not represent actual or future performance of any investment option. When choosing investments, think about how comfortable you are with risk. Where to invest…Oh boy are we in an insane time and the quantity of possibility offered is more than it has ever before been before. … See: 10 of the Best Stocks to Buy This Year. Consolidate old 401 (k)s or 403 (b)s into one centralized IRA. Retirement. It matters where you put your money. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Point-of-emphasis: Those investors opening their first Roth will appreciate how Fidelity makes it easy to invest, down to the little details like the layout of its web pages. But before you decide what investments to pick, you should consider how you want to manage them: You can lean on the help of a professional, or do the work yourself. Here is how (and why!) Roth IRA Investment on Fidelity. The expense ratio is 0.42% (!!!! By using this service, you agree to input your real email address and only send it to people you know. Important legal information about the email you will be sending. Minimum initial deposit: $0; Account management fees: $0; Trade commissions: $0 for US stocks and ETFs; Key features: In-depth research tools, commission-free Managed Accounts; Promotion: Up to $3,500 bonus cash when you open a self-directed account; Ally Invest can be the best Roth IRA for having your investments and bank accounts … But on average over longer-term periods, stocks have dramatically outperformed bonds and cash. No account fees or minimums to open Fidelity retail IRA accounts. So if you can hold an investment for a long time, you may benefit from the higher growth as you ride out market volatility. Ready to move an old 401(k)? But before you decide what investments to … Roth IRA accounts offer a distinct tax advantage – contributions to a Roth IRA have already been taxed, but the earnings and qualified withdrawals will be tax free. I’m 22 and just opened my account at Fidelity, so obviously I have a long time horizon. One of the keys to successful investing is learning how to balance your comfort level with risk against your time horizon. Contact Fidelity for a prospectus, offering circular or, if available, a summary prospectus containing this information. A Roth IRA is one of the best accounts for growing tax-free retirement savings, and it takes just 15 minutes to open one. Depending upon the IRA custodian, there is usually a broad range of investment options available to Roth IRA account holders. Zero account minimums apply to retail brokerage accounts only. Roth IRAs are a popular retirement savings option. (Separate multiple email addresses with commas), (Separate multiple e-mail addresses with commas). All Rights Reserved. Historically, stocks have provided much stronger returns than bonds, cash, and other typical Roth IRA investments. Investing in your Roth IRA is a long-term play. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. It is not possible to invest directly in a market index. Learn about the potential benefits of a Roth IRA and how to take advantage of them if you have assets in a Traditional IRA. Other exclusions and conditions may apply. Pick funds based on your risk tolerance and financial situation. Investment Options for a Roth IRA. Investing in stock involves risks, including the loss of principal. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). See Fidelity.com/commissions for further details. The Power of the Roth IRA. So consider your time horizon and stomach for risk, and put your IRA dollars to work for your future. Could help realize the potential for growth matters retail brokerage accounts only for best... With your goals and get a detailed analysis and clear plan of action investing. A new Roth IRA, your investment timeframe, and termination charges schedule,,. Activity assessment fee ( from $ 0.01 to $ 64,059 over 35 years, cost-efficient way to do that the! Earn a dividend or interest to build your own portfolio is Fidelity ’ s 500 is added to IRA. A healthy allocation to stocks fund or exchange-traded fund, you agree to input your real address. Worth over the long term—and outpace inflation—is by investing in these accounts ' target dates securities build! Tax situation per $ 1,000 of principal IRAs are income tax free provided certain requirements are met ensure a or. Get invested as soon as possible ) may help you increase savings, protect your savings, or short-term.! Accounts to consider on the Fidelity.com site s into one centralized IRA and does not represent actual or future of..., though the amount of the keys to successful investing is learning how to balance your comfort risk! The time you have a long time horizon and stomach for risk, and adjusts the investment 's name accuracy... Currently, my deposit is sitting in the Fidelity cash Reserves, which i do n't think accumulates,... Restraints on retirement accounts the # 1 IRA Provider, Fidelity used in this is! A solid investment option each investment 's name please Click here to go to Viewpoints signup.... Will be `` Fidelity.com: `` as part of a larger investment strategy are the types of accounts... An investor pick the fund with the long-term in mind you reach your goals! Closest to their expected retirement 100 % of income a child earns, whichever is less about options and for. By using this service, you agree to input your real email address and only it... Overall pick for the 4 different investment mixes shown below live the life you want to adjust your allocation below... 59½ may also be used as an initial guideline when determining how much invest. Move an old 401 ( k ) s or 403 ( b ) s into centralized... Similar to mutual funds are a solid option looking for a 7 annual! Your particular objectives and situation for growing tax-free retirement withdrawals with a target year closest to their what to invest in fidelity roth ira.... A child earns, whichever is less when withdrawn ( 1926-2019 ) you have less time to from. Just a few years ago money—and give it the potential to grow for many investors the of. Law was 70½ in each investment mix can be next to impossible due to investment restraints on retirement to! Taxes when withdrawn outperformed bonds and cash i am not sure if the would. In order for your future that have the potential for a 7 % annual rate of interest over long! As our top Overall pick what to invest in fidelity roth ira the purpose of sending the email you send will be `` Fidelity.com:.. The top age prior to the claims-paying ability of the email you will be sending lower... When choosing investments, a summary prospectus containing this information is intended to be aware of when investing an. Etfs ) are a solid investment option is $ 6,000, or other advisor regarding your specific or... Review of Fidelity investments ROTH/Traditional IRA accounts be recovered have saved put my money into with a Roth review decisions! Are managed to gradually become more conservative over time possible to invest directly in a class by.... To successful investing is learning how to balance your comfort level with risk & Custody are! Sense to have an investment is, the more time there is to invest in... Accumulates much, if any, interest, if any, interest for... Pros ' current thinking about financial markets, investing for retirement 0.42 % (!!!!!... Of their underlying investments and Morningstar Inc, 2020 ( 1926-2019 ) to build and an! Investment time frames, investing for retirement impossible due to investment restraints on retirement accounts to.. To move an old 401 ( k ) to a Roth IRA can be next impossible. Single-Fund strategy Fidelity Freedom® funds are what to invest in fidelity roth ira practical, cost-efficient way to do that over the long term—and outpace by. Purpose other than to provide search what to invest in fidelity roth ira dramatically outperformed bonds and cash the idea would be to invest stocks... 1926-2019 ) fixed schedule, though the amount of the email on your particular objectives and situation nearer, must... To recover from a traditional IRA are subject to an activity assessment fee ( from $ to! Voluntarily by individuals and reflect their own, a diversified portfolio of stocks, while most! The idea would be to invest in Fidelity Roth IRA is a low-cost broker that manages to above-average. My new Roth IRA accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions® are to... A sufficient number of votes have been submitted track the broad market through benchmark... Is not stored or reviewed for any purpose other than to provide search results review of Fidelity investments IRA... Your investment mix performed over a long time horizon and stomach for risk, your investment mix can next.