FIPFX seems conservative... Compared to someone who’s: • 100% invested in the S&P 500 • Spread across stock funds only • Mostly stocks, with a couple bonds But not when compared to someone who's: • All cash • All bonds • Not investing out of fear I am not suggesting anyone invest in FIPFX specifically. But target date *index* funds with low fees are a great way for beginners to start. They can get a single fund that’s: • Low cost • Diversified • Maintains a target asset allocation • Automatically adjusts allocation over time The goal isn’t to be aggressive or conservative. It’s to be invested.

Fidelity needs their Customers' money: For Fidelity to play around with for 3 full weeks before Fidelity allows their Customers their own $ x.com/spaceshark23/status/18… $FSPGX $FXAIX $FNILX $FITLX $FNCMX $FMDGX $FIOFX $FIPFX $FSMDX $FBIFX $FFNOX $FIPDX $FSPSX $FSDAX $FGOVX $FHIGX

random message. but FIPFX has a 1.20% expense ratio. that's $1.20 for every 1k. a fund like VTSAX is performing around 19% with a .04% expense ratio . may not seem like a bug savings but it will add up. look into transferring. future self will thank you. good luck.