Invest Well Personal investments & FIRE retirement Fidelity
The Fidelity Account
A full featured, low-cost brokerage account that can meet your needs as you grow as an investor Why it’s important for Financial Independence Fidelity's brokerage account offers a wide range of investment choices, including individual stocks, bonds, or mutual funds. The investments you make in a brokerage account are available for withdrawal anytime. Fidelity Go
An account managed by a robo advisor—an easy, affordable way to enjoy the benefits of professional money management Why it’s important for Financial Independence Fidelity Go is our lowest cost managed account program. Our investing pros manage your account for you, for a fee, based on your account's balance. The non-retirement investments you make in a Fidelity Go account can be withdrawn without penalty at any time, but should be considered a long-term investment that won't be withdrawn for at least three years. Fidelity ZERO
Index funds with 0% expense ratio and no minimums, that can go into a brokerage or retirement account Why it’s important for Financial Independence Many in the FI/RE movement look for the lowest cost investment funds. These are zero expense ratio funds that are designed to track an index that represents a segment of the market. If you’ve researched FI/RE and heard about Vanguard’s VTSAX, the Fidelity Zero funds are Fidelity’s comparable index mutual funds offered at an even lower cost than many of Vanguard’s Index Funds. Not sure how should you invest
Take this short quiz and learn which accounts may work for you and your goals
Let's go 1 4 Your current age
How old are you
I am years old
2 4 Your desired FI age
At what age do you hope to reach financial independence
My desired FI age is years old
3 4 Your workplace retirement account
Do you have access to a workplace retirement account? (Such as a 401(k), 403(b), SIMPLE IRA, SEP IRA) 4 4 Your investment preference
Which investing approach are you looking for? Your journey to FI/RE Great! Here's your journey to FI/RE FIREstarter Key date Your age Today Desired FI Day Retirement
Account
Withdrawal See how it works 1 How does it work
Brokerage
Account Invest Withdraw Retirement
Account Invest Withdraw 2 Here are some possibilities for you to consider
1
Explore a brokerage account
For spending before age 59½
Based on what you told us, you want to invest yourself. Here’s how: If you don't already have a brokerage account, you can open a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. Inside your brokerage account, you'll need to choose your These are low-fee funds that match the performance of the market. Not sure where to start? That's alright. Click to learn more about index funds and what we offer. Index funds tend to be the lowest cost type of mutual funds. are the lowest expense ratio index funds on the market? 2
Optimize retirement accounts
For spending after age 59½
Based on what you told us, you already have a workplace retirement account – that’s awesome! Here’s how you can optimize: Make sure you are doing what you can to meet the company match (if there is one) when contributing to the 401(k). If you want to invest outside of your employer's benefit plan, you may want to consider a Roth or traditional IRA, to compare the two and learn if it's right for you. Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. Work towards hitting your maximum retirement investment contributions. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. Keep investing towards your goals with a mix of Brokerage and Retirement Account contributions. 1
Explore a brokerage account
For spending before age 59½
Based on what you told us, you want to invest yourself. Here’s how: If you don't already have a brokerage account, you can open a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. Inside your brokerage account, you'll need to choose your These are low-fee funds that match the performance of the market. Not sure where to start? That's alright. Click to learn more about index funds and what we offer. Index funds tend to be the lowest cost type of mutual funds. are the lowest expense ratio index funds on the market? 2
Focus on retirement account s
For spending after age 59½
Based on what you told us, you don't have a workplace retirement account. Here’s how to get started saving for retirement if no workplace retirement account is available to you: If you haven't already, consider an Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. Work towards hitting your maximum retirement investment contributions. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. Keep investing towards your goals with a mix of Brokerage and Retirement Account contributions. 1
Explore a managed account
For spending before age 59½
Based on what you told us, you want to have your money invested for you. You can do that with , our low cost digitally managed account or robo-advisor, or one of our other Consider a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. 2
Optimize retirement accounts
For spending after age 59½
Based on what you told us, you already have a workplace retirement account – that’s awesome! Here’s how you can optimize: Make sure you are doing what you can to meet the company match (if there is one) when contributing to the 401(k). If you want to invest outside of your employer's benefit plan, you may want to consider a Roth or traditional IRA, to compare the two and learn if it's right for you. Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. Work towards hitting your maximum retirement investment contributions. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. Keep investing towards your goals with a mix of Brokerage and Retirement Account contributions. 1
Explore a managed account
For spending before age 59½
Based on what you told us, you want to have your money invested for you. You can do that with , our low cost digitally managed account or robo-advisor, or one of our other Consider a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. 2
Focus on retirement account s
For spending after age 59½
Based on what you told us, you don't have a workplace retirement account. Here’s how to get started saving for retirement if no workplace retirement account is available to you: If you haven't already, consider an Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. Work towards hitting your maximum retirement investment contributions. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. Keep investing towards your goals with a mix of Brokerage and Retirement Account contributions. 1
Optimize retirement accounts
For spending after age 59½
Based on what you told us, you already have a workplace retirement account AND you plan to retire after age 59.5. That means that you should prioritize your retirement investing. Here’s how: If you can comfortably meet the company match, consider working towards the 2020 annual maximum 401 (k) or 403 (b) contribution of $19,500. That contribution limit increases to $26,000 when you are over 50. If you want to invest outside of your employer's benefit plan, you may want to consider a Roth or traditional IRA, to compare the two and learn if it's right for you. Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. 2
Explore a brokerage account
Additional investing option
Since you plan to retire after 59.5, you should prioritize investing in tax-advantaged retirement accounts. When you have maxed out those contributions, it's time to consider brokerage account investing. Based on what you told us, you want to invest yourself. Here’s how: If you don't already have a brokerage account, you can open a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. Inside your brokerage account, you'll need to choose your These are low-fee funds that match the performance of the market. Not sure where to start? That's alright. Click to learn more about index funds and what we offer. Index funds tend to be the lowest cost type of mutual funds. are the lowest expense ratio index funds on the market? 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. 1
Focus on retirement account s
For spending after age 59½
Based on what you told us, you don't have a workplace retirement account. Here’s how to get started saving for retirement if no workplace retirement account is available to you: If you haven't already, consider an and start working towards the maximum annual contribution (in 2020: $6,000 if you are under age 50, $7,000 if you are over age 50). Set a reminder for tax time, to claim any Traditional IRA contributions for the year. 2
Explore a brokerage account
Additional investing option
Since you plan to retire after 59.5, you should prioritize investing in tax-advantaged retirement accounts. When you have maxed out those contributions, it's time to consider brokerage account investing. Based on what you told us, you want to invest yourself. Here’s how: If you don't already have a brokerage account, you can open a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. Inside your brokerage account, you'll need to choose your These are low-fee funds that match the performance of the market. Not sure where to start? That's alright. Click to learn more about index funds and what we offer. Index funds tend to be the lowest cost type of mutual funds. are the lowest expense ratio index funds on the market? 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. 1
Optimize retirement accounts
For spending after age 59½
Based on what you told us, you already have a workplace retirement account AND you plan to retire after age 59.5. That means that you should prioritize your retirement investing. Here’s how: If you can comfortably meet the company match, consider working towards the 2020 annual maximum 401 (k) or 403 (b) contribution of $19,500. That contribution limit increases to $26,000 when you are over 50. If you want to invest outside of your employer's benefit plan, you may want to consider a Roth or traditional IRA, to compare the two and learn if it's right for you. Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. 2
Explore a managed account
Additional investing option
Since you plan to retire after 59.5, you should prioritize investing in tax-advantaged retirement accounts. When you have maxed out those contributions, it's time to consider additional investment options. Based on what you told us, you want to have your money invested for you. You can do that with Fidelity Go, our low cost digitally managed account or robo-advisor, or one of our other Consider a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. 1
Focus on retirement account s
For spending after age 59½
Based on what you told us, you don't have a workplace retirement account. Here’s how to get started saving for retirement if no workplace retirement account is available to you: If you haven't already, consider an and start working towards the maximum annual contribution (in 2020: $6,000 if you are under age 50, $7,000 if you are over age 50). Set a reminder for tax time, to claim any Traditional IRA contributions for the year. 2
Explore a managed account
Additional investing option
Since you plan to retire after 59.5, you should prioritize investing in tax-advantaged retirement accounts. When you have maxed out those contributions, it's time to consider additional investment options. Based on what you told us, you want to have your money invested for you. You can do that with Fidelity Go, our low cost digitally managed account or robo-advisor, or one of our other Consider a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. Not ready yet? Save a PDF for later Save a PDF 1
Explore a brokerage account
For spending before age 59½
Based on what you told us, you want to invest yourself. Here’s how: If you don't already have a brokerage account, you can open a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. Inside your brokerage account, you'll need to choose your These are low-fee funds that match the performance of the market. Not sure where to start? That's alright. Click to learn more about index funds and what we offer. Index funds tend to be the lowest cost type of mutual funds. are the lowest expense ratio index funds on the market? 2
Optimize retirement accounts
For spending after age 59½
Based on what you told us, you already have a workplace retirement account – that’s awesome! Here’s how you can optimize: Make sure you are doing what you can to meet the company match (if there is one) when contributing to the 401(k). If you want to invest outside of your employer's benefit plan, you may want to consider a Roth or traditional IRA, to compare the two and learn if it's right for you. Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. Work towards hitting your maximum retirement investment contributions. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. Keep investing towards your goals with a mix of Brokerage and Retirement Account contributions. 1
Explore a brokerage account
For spending before age 59½
Based on what you told us, you want to invest yourself. Here’s how: If you don't already have a brokerage account, you can open a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. Inside your brokerage account, you'll need to choose your These are low-fee funds that match the performance of the market. Not sure where to start? That's alright. Click to learn more about index funds and what we offer. Index funds tend to be the lowest cost type of mutual funds. are the lowest expense ratio index funds on the market? 2
Focus on retirement account s
For spending after age 59½
Based on what you told us, you don't have a workplace retirement account. Here’s how to get started saving for retirement if no workplace retirement account is available to you: If you haven't already, consider an Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. Work towards hitting your maximum retirement investment contributions. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. Keep investing towards your goals with a mix of Brokerage and Retirement Account contributions. 1
Explore a managed account
For spending before age 59½
Based on what you told us, you want to have your money invested for you. You can do that with , our low cost digitally managed account or robo-advisor, or one of our other Consider a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. 2
Optimize retirement accounts
For spending after age 59½
Based on what you told us, you already have a workplace retirement account – that’s awesome! Here’s how you can optimize: Make sure you are doing what you can to meet the company match (if there is one) when contributing to the 401(k). If you want to invest outside of your employer's benefit plan, you may want to consider a Roth or traditional IRA, to compare the two and learn if it's right for you. Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. Work towards hitting your maximum retirement investment contributions. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. Keep investing towards your goals with a mix of Brokerage and Retirement Account contributions. 1
Explore a managed account
For spending before age 59½
Based on what you told us, you want to have your money invested for you. You can do that with , our low cost digitally managed account or robo-advisor, or one of our other Consider a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. 2
Focus on retirement account s
For spending after age 59½
Based on what you told us, you don't have a workplace retirement account. Here’s how to get started saving for retirement if no workplace retirement account is available to you: If you haven't already, consider an Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. Work towards hitting your maximum retirement investment contributions. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. Keep investing towards your goals with a mix of Brokerage and Retirement Account contributions. 1
Optimize retirement accounts
For spending after age 59½
Based on what you told us, you already have a workplace retirement account AND you plan to retire after age 59.5. That means that you should prioritize your retirement investing. Here’s how: If you can comfortably meet the company match, consider working towards the 2020 annual maximum 401 (k) or 403 (b) contribution of $19,500. That contribution limit increases to $26,000 when you are over 50. If you want to invest outside of your employer's benefit plan, you may want to consider a Roth or traditional IRA, to compare the two and learn if it's right for you. Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. 2
Explore a brokerage account
Additional investing option
Since you plan to retire after 59.5, you should prioritize investing in tax-advantaged retirement accounts. When you have maxed out those contributions, it's time to consider brokerage account investing. Based on what you told us, you want to invest yourself. Here’s how: If you don't already have a brokerage account, you can open a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. Inside your brokerage account, you'll need to choose your These are low-fee funds that match the performance of the market. Not sure where to start? That's alright. Click to learn more about index funds and what we offer. Index funds tend to be the lowest cost type of mutual funds. are the lowest expense ratio index funds on the market? 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. 1
Focus on retirement account s
For spending after age 59½
Based on what you told us, you don't have a workplace retirement account. Here’s how to get started saving for retirement if no workplace retirement account is available to you: If you haven't already, consider an and start working towards the maximum annual contribution (in 2020: $6,000 if you are under age 50, $7,000 if you are over age 50). Set a reminder for tax time, to claim any Traditional IRA contributions for the year. 2
Explore a brokerage account
Additional investing option
Since you plan to retire after 59.5, you should prioritize investing in tax-advantaged retirement accounts. When you have maxed out those contributions, it's time to consider brokerage account investing. Based on what you told us, you want to invest yourself. Here’s how: If you don't already have a brokerage account, you can open a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. Inside your brokerage account, you'll need to choose your These are low-fee funds that match the performance of the market. Not sure where to start? That's alright. Click to learn more about index funds and what we offer. Index funds tend to be the lowest cost type of mutual funds. are the lowest expense ratio index funds on the market? 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. 1
Optimize retirement accounts
For spending after age 59½
Based on what you told us, you already have a workplace retirement account AND you plan to retire after age 59.5. That means that you should prioritize your retirement investing. Here’s how: If you can comfortably meet the company match, consider working towards the 2020 annual maximum 401 (k) or 403 (b) contribution of $19,500. That contribution limit increases to $26,000 when you are over 50. If you want to invest outside of your employer's benefit plan, you may want to consider a Roth or traditional IRA, to compare the two and learn if it's right for you. Make your first contribution. Set a reminder for tax time, to claim any Traditional IRA contributions for the year. 2
Explore a managed account
Additional investing option
Since you plan to retire after 59.5, you should prioritize investing in tax-advantaged retirement accounts. When you have maxed out those contributions, it's time to consider additional investment options. Based on what you told us, you want to have your money invested for you. You can do that with Fidelity Go, our low cost digitally managed account or robo-advisor, or one of our other Consider a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. 1
Focus on retirement account s
For spending after age 59½
Based on what you told us, you don't have a workplace retirement account. Here’s how to get started saving for retirement if no workplace retirement account is available to you: If you haven't already, consider an and start working towards the maximum annual contribution (in 2020: $6,000 if you are under age 50, $7,000 if you are over age 50). Set a reminder for tax time, to claim any Traditional IRA contributions for the year. 2
Explore a managed account
Additional investing option
Since you plan to retire after 59.5, you should prioritize investing in tax-advantaged retirement accounts. When you have maxed out those contributions, it's time to consider additional investment options. Based on what you told us, you want to have your money invested for you. You can do that with Fidelity Go, our low cost digitally managed account or robo-advisor, or one of our other Consider a Think about what you can afford to invest right away. $20? $50? $100? You need to do what's right for you to get started. 3
Get your money right
To make the most of your investments
Achieving financial independence can happen with few, small steps that make big, lasting impact. Part of that is about your savings and investing behavior. Inside your investment accounts, make sure your contributions are invested in an asset allocation that makes sense for you. Fidelity can help you learn about how to balance risk and return potential. Check your budget. How much can you set aside on a regular basis? Set auto-deductions or monthly reminders to move money into your investment accounts. This experience is educational in nature and should not be viewed as a recommendation from Fidelity to take any action. In the spirit of the FIRE movement which places a premium on expenses, information provided has been selected solely on this factor rather than your personal situation. Please use this experience as a starting point to learn more about the different products and/or services Fidelity makes available. Fidelity does not provide legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to individual retail investors who purchase their shares through a Fidelity brokerage account. Investing involves risk, including risk of loss. Please click to learn more about the Invest Well logic. 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. 925222.6.0 This experience is educational in nature and should not be viewed as a recommendation from Fidelity to take any action. In the spirit of the FIRE movement which places a premium on expenses, information provided has been selected solely on this factor rather than your personal situation. Please use this experience as a starting point to learn more about the different products and/or services Fidelity makes available. Fidelity does not provide legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to individual retail investors who purchase their shares through a Fidelity brokerage account. Investing involves risk, including risk of loss. Please click to learn more about the Invest Well logic. 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. 925222.6.0 This experience is educational in nature and should not be viewed as a recommendation from Fidelity to take any action. In the spirit of the FIRE movement which places a premium on expenses, information provided has been selected solely on this factor rather than your personal situation. Please use this experience as a starting point to learn more about the different products and/or services Fidelity makes available. Fidelity does not provide legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to individual retail investors who purchase their shares through a Fidelity brokerage account. Investing involves risk, including risk of loss. Fidelity Go provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies. Please click to learn more about the Invest Well logic. 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. 925222.6.0 This experience is educational in nature and should not be viewed as a recommendation from Fidelity to take any action. In the spirit of the FIRE movement which places a premium on expenses, information provided has been selected solely on this factor rather than your personal situation. Please use this experience as a starting point to learn more about the different products and/or services Fidelity makes available. Fidelity does not provide legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to individual retail investors who purchase their shares through a Fidelity brokerage account. Investing involves risk, including risk of loss. Fidelity Go provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies. Please click to learn more about the Invest Well logic. 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. 925222.6.0 This experience is educational in nature and should not be viewed as a recommendation from Fidelity to take any action. In the spirit of the FIRE movement which places a premium on expenses, information provided has been selected solely on this factor rather than your personal situation. Please use this experience as a starting point to learn more about the different products and/or services Fidelity makes available. Fidelity does not provide legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to individual retail investors who purchase their shares through a Fidelity brokerage account. Investing involves risk, including risk of loss. Please click to learn more about the Invest Well logic. 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. 925222.6.0 This experience is educational in nature and should not be viewed as a recommendation from Fidelity to take any action. In the spirit of the FIRE movement which places a premium on expenses, information provided has been selected solely on this factor rather than your personal situation. Please use this experience as a starting point to learn more about the different products and/or services Fidelity makes available. Fidelity does not provide legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to individual retail investors who purchase their shares through a Fidelity brokerage account. Investing involves risk, including risk of loss. Please click to learn more about the Invest Well logic. 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. 925222.6.0 This experience is educational in nature and should not be viewed as a recommendation from Fidelity to take any action. In the spirit of the FIRE movement which places a premium on expenses, information provided has been selected solely on this factor rather than your personal situation. Please use this experience as a starting point to learn more about the different products and/or services Fidelity makes available. Fidelity does not provide legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to individual retail investors who purchase their shares through a Fidelity brokerage account. Investing involves risk, including risk of loss. Fidelity Go provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies. Please click to learn more about the Invest Well logic. 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. 925222.6.0 This experience is educational in nature and should not be viewed as a recommendation from Fidelity to take any action. In the spirit of the FIRE movement which places a premium on expenses, information provided has been selected solely on this factor rather than your personal situation. Please use this experience as a starting point to learn more about the different products and/or services Fidelity makes available. Fidelity does not provide legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Fidelity now offers the Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) available to individual retail investors who purchase their shares through a Fidelity brokerage account. Investing involves risk, including risk of loss. Fidelity Go provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies. Please click to learn more about the Invest Well logic. 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. 925222.6.0 "Investing is the only way to really achieve FI/RE" — Minah There s no match for Fidelity in index investing – not even Vanguard
Fidelity stock and bond index mutual funds and sector ETFs have lower expenses than all comparable funds at Vanguard.* *Fidelity beats Vanguard on expenses on 24 of 24 comparable stock and bond index funds, across all Vanguard share classes with a minimum investment of less than $3 billion. Total expense ratios as of January 7, 2020. Please consider other important factors including that each fund’s investment objectives, strategy, and index tracked to achieve its goals may differ, as well as each fund’s features and risks. Assumes a one-time deposit of $ 10,000 for both account types. Here are some assumptions we are making: 1) No withdrawals are made from the account during the goal timeframe. 2) No fees or taxes are applied. 3) For investing returns, the returns of the Standard & Poor's 500 Index were used. Any chart is for illustrative purposes only and does not represent actual or implied performance of any investment option. Stocks are represented by S&P 500 from 1989-2018. 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. 4) Savings account interest rate data are not available in the 30-year time period, as the Federal Reserve Economic Data began collecting data in 2009. Instead, this chart uses 1989-2018 average interest rate data for Certificate of Deposit (CD) accounts as sourced by Federal Reserve Bank of St. Louis, which historically have higher interest rates than savings accounts. This experience is educational in nature and should not be viewed as a recommendation from Fidelity to take any action. In the spirit of the FIRE movement which is places a premium on expenses, information provided has been selected solely on this factor rather than your personal situation. Please use this experience as a starting point to learn more about the different products and/or services Fidelity makes available. Fidelity does not provide legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Zero account minimums apply to retail brokerage accounts only. Account minimums may apply to certain account types (e.g., managed accounts). Investing involves risk, including risk of loss. Fidelity Go provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies. Please click to learn more about the Invest Well logic. 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. 925222.6.0