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Stocks and Bonds 101 | Fidelity
 
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Get started with investing by understanding the basics: stocks and bonds. To learn more about getting started with the stock market, visit: https://www.fidelity.com/mymoney/investing To open a brokerage account, visit: https://www.fidelity.com/open-account/overview To watch more videos for beginner investors, visit: https://www.youtube.com/playlist?list=PLGKKmEmJDSiL041acBKlWMsu2P-FndXji To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ------------------------------------------------------------------------------------------ There’s a lot of investment lingo out there. Do you ever feel like you don’t know where to start? Let's tackle two of the most basic investing types you should know: Stocks and Bonds Let’s start with Stocks. When a company needs money to expand or grow their business, they can sell stock to the public. In exchange for that money, the INVESTORS (the people who buy a stock) now “own” a piece of that company. Investors can make money on stocks by buying them when they have a lower value and selling them when they have more value. Investors can also make money by sharing in a regular payout from the company to its shareholders, something that’s also known as DIVIDENDS. Not all companies pay regular dividends, but when they occur, dividends and changes in share price are both part of total return, which is your total gain or loss on an investment. What about Bonds? When you buy a bond, you are actually loaning money to a company, government, or government agency. The money is typically used for things like construction and other projects. During the life of the bond, an investor gets paid interest at steady, predetermined times. Interest is basically the money you are given by the borrower in return for lending them the money. At the end of the loan’s life, the borrower returns the money you initially lent them. You can trade bonds in the market, just like you can trade a stock. Bonds are considered less risky investments than stocks, but they also typically have lower total returns. So what did we learn? A Stock: A share in the ownership of a company A Bond: An interest-earning loan you make to a company or government. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 741648.2.0
Views: 110173 Fidelity Investments
What is Short Selling? | Fidelity
 
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What is short selling? Investors may be intrigued by the short sale process, but it is important to first understand how it works. Read more on short selling: http://go.fidelity.com/shortselling In order to short sell at Fidelity, you must have a margin account. Short selling and margin trading entail greater risk, including but not limited to risk of unlimited losses and incurrence of margin interest debt, and are not suitable for all investors. Please assess your financial circumstances and risk tolerance prior to short selling or trading on margin. Margin trading is extended by National Financial Services, Member NYSE/SIPC, a Fidelity Investments company. ___________________________________________________________ To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 625600.4.0
Views: 56639 Fidelity Investments
What's Diversification? | Fidelity
 
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This video can help you learn more about diversifying your portfolio to become a smarter investor. To learn more about diversification, visit: https://www.fidelity.com/mymoney/amateurs-guide-diversification To watch more videos for beginner investors, visit: https://www.youtube.com/playlist?list=PLGKKmEmJDSiL041acBKlWMsu2P-FndXji To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ------------------------------------------------------------------------------------- When you invest in a stock, you are taking a risk that the value may go down rather than up. OK, we get it. Investing can be risky. One way to manage that risk is to educate yourself on basic concepts, like asset allocation and diversification. Asset Allocation is simply financial lingo for how you distribute your money across types of investments. It’s like the strategic decision of which baskets to put your eggs in and how many eggs to put into each. The different baskets are called asset classes. To help you decide where to put your eggs, ask yourself three questions: 1. How much time do you have before you need to use your money? 2. How comfortable are you with risk? 3. How does your current financial situation look? Diversification is about strategically putting the right mix of different eggs in each of your baskets. The key is that you shouldn’t invest all your money in one company, one industry, one country, one ANYTHING. Ideally, you want your investments to be negatively correlated, so when one is going down, another is going up. Here are some typical ways smart investors diversify their portfolio: • Invest in companies in different countries • Own stock in small AND large companies • Invest in companies in a variety of industries There are some downsides to diversification. If one of your investments does very well, you won’t make as much as if it was your only investment. But consider the inverse: if you owned only one stock, and the company went out of business, you would lose more money than if you had spread your money across different investments. Diversification won’t eliminate risk. But it's a smart way to manage risk while still giving you a chance to build your portfolio. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 741646.2.0
Views: 130320 Fidelity Investments
5 Mistakes Investors Make with ETFs | Fidelity
 
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In this video, learn about the five biggest mistakes that investors make when buying ETFs, or exchange-traded funds. To learn the basics about ETFs, visit https://www.fidelity.com/learning-center/investment-products/etf/overview. To get started investing with ETFs, visit https://www.fidelity.com/etfs/overview To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments --------------------------------------------------------------------------------------------- Let’s talk about the five biggest mistakes investors can make when buying exchange-traded funds. ETFs can be good tools for investors - when used appropriately. But with any investment, there are always things to watch out for. Number 1: Buying the Hot New Thing More than 100 new ETF products launch each year, many of them chasing the latest hot trend. Cloud computing, driverless cars, 3-D printing … you name it, there’s an ETF for that. Buying into the latest hot theme might make you big returns, but take care: These product launches may come after there has been a run up in the market. Buying at the top can be painful on the way down. Number 2: Buying Something You Don’t Understand The only thing worse than chasing the hottest trend is buying something you don’t understand. ETFs have taken institutional strategies and made them push-button-easy for everyday investors to access. Want access to commodity futures? There’s an ETF for that. 300% leverage? 200% short? Interest-rate carry plays? Yes to all. But just because you can buy something easily doesn’t mean you should. All of these funds may be good tools, but only if you know how to use them correctly. Number 3: Thinking All ETFs Are Created Equal Consider China. At the start of 2014, there were more than a dozen broad-based China ETFs. For example, had you chosen PGJ, the PowerShares Golden Dragon China ETF, at the start of the year, you would have lost more than 7% of your money. Had you instead chosen ASHR, the Deutsche Xtrackers Harvest CSI 300 China A-Shares ETF, you would have earned a 51% return. Both are “China ETFs.” Both can provide big, diversified portfolios. But ASHR has significant exposure to Chinese Ashares—largely consumer-focused stocks listed and traded on the domestic Chinese market— which performed spectacularly well in 2014. Don’t assume all ETFs are created equal. Just because two ETFs cover the same market doesn’t mean they provide the same exposure or returns. There’s no guarantee which fund will perform better in the future. But if you wanted to invest last year in the growth of the Chinese consumer and the domestic investor base there, a little bit of research would have gone a long way. Number 4: Trading…Just Because You Can Trading is central to ETFs. It’s right there in the name. But just because you can trade an ETF intraday doesn’t mean you should. Emotions are often an investor’s worst enemy. You zig when you should zag; you sell at the bottom and buy at the top. We all do sometimes. The trouble is ETFs make that even easier than traditional mutual funds. ETFs’ intraday liquidity can be great when you need to get into or out of the market quickly. But those situations are rare. Number 5: Only Using Market Orders When you do invest, consider using a limit order versus a market order. Market orders are instructions to buy or sell securities at the best possible price right now. That can work well for the most liquid ETFs, but as you move beyond the top dozen ETFs, you can find yourself getting trades executed at prices you don’t really want. Using a limit order means you agree to buy an ETF at a certain price or below, and sell it at a certain price or above. A limit order puts the control back in your hands and can help you set the price on your terms. Learn from these common mistakes to help avoid making them yourself. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 723254.2.0
Views: 214594 Fidelity Investments
What are Municipal Bonds? | Fidelity
 
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Learn the details behind general obligation municipal bonds – what they are, why they are created, and how they work – with this illustrated video by Fidelity. To learn more about municipal bonds, please visit https://www.fidelity.com/fixedincome-bonds/individual-bonds/municipal-bonds. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ----------------------------------------------------------------------------------------------- Many people purchase municipal bonds as part of their overall investing strategy, but there’s quite a story behind how they are created, how they work, who’s involved. The municipal bond process can be a complicated one, so we’ll try to simplify it for you. Our story begins by paying a visit to Anytown, USA. Anytown is a great place to live. There’s a thriving cultural scene, good schools, and a strong business environment. It’s no wonder that many families have moved here. But, with lots of families now living in Anytown, the schools are bursting at the seams. The mayor, town council, and school district leaders all agree that a brand new school is needed, in addition to expansions to some of the existing school buildings. But, at an estimated cost of $30,000,000, how will the town pay for it? The town leaders come up with a plan to raise these funds by issuing bonds. This means that Anytown will borrow money from investors with the expectation of paying them back, with interest, over time. The people who will actually use the school building in the future will also be the folks paying for it. Anytown will use property tax revenues to repay the investors, backed by the full faith and taxing authority of the town. This is called a “general obligation municipal bond.” But, things can’t move forward just yet. Voter approval of the proposal is required. So, a bond proposal is developed and put on the ballot, as part of an election. The votes are tallied and the proposal is passed. At this point in our story, some new characters enter the scene: the underwriter, the bond counsel, and in most cases, the financial advisor. The financial advisor helps Anytown make decisions regarding the bond issue and works with the underwriter to determine pricing and distribution to investors. The underwriter acts as a liaison between the town and potential investors when bringing the bond issue to market. An underwriter can be chosen in two ways: via competitive sale or negotiated sale. The leaders of Anytown decide to go the competitive route, and put the bond issue out to bid. This is where the bond counsel, Smith & Jones Law Firm, enters the picture. Smith & Jones prepares the bond documents, including the Official Statement, and since Anytown has chosen the competitive route, a Notice of Sale. The Official Statement contains all the information a prospective investor needs in order to invest in Anytown’s bond issue. The underwriter will review the Official Statement and decide whether to bid on the bond. The bond counsel also writes the legal opinion, which provides justification and law for the tax exempt status of the issue and ensures that the bonds are valid and binding obligations for Anytown. The firm does not comment on the investment merit of the bond issue. Now that the legal opinion is in place, the Notice of Sale can be completed and posted. ABC Investment Bank sees the ad and is interested in underwriting it, with the ultimate goal of buying the muni bond issue from Anytown, and reselling it to investors. Before submitting a bid, however, they would like to invite other investment banks to participate with them, so they decide to form a syndicate and act as the syndicate manager. Forming a syndicate will allow the bank to share the marketing and distribution duties, as well as some of the financial risk of underwriting the bond issue. Two banks, JKL and XYZ, agree to join ABC Syndicate and they submit a bid. Back at Anytown town hall, the bid is reviewed, along with several others up for consideration. After much deliberation, the bond issue is awarded to the syndicate formed by ABC Investment Bank because they turned in the lowest borrowing cost. The syndicate goes to work as the underwriter, reaching out to individual and institutional investors to determine their interest in purchasing the bonds [...] Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 608004.3.0
Views: 72766 Fidelity Investments
3 Things You Need to Know about an Emergency Fund | Fidelity
 
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Life is full of surprises, and building an emergency fund can help you better prepare for whatever comes your way. Watch this video to learn more about starting your emergency savings today. To find more tips about investing for beginners, visit: https://fidelity.com/mymoney To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ______________________________________________________________________________ Life is full of surprises, but you can be better prepared to handle them by building an emergency fund. Think of it as your financial safety net—a reliable source of money when you need it, so you don’t have to resort to credit cards and loans. It’s part of any good financial plan! Here are three things to know about an emergency fund: 1. HOW much to save We suggest saving at least 3 to 6 months of living expenses. It may take time to get there and that’s okay. The important thing is to start today with what you can afford, and then build your way up to 5% of your paycheck. A helpful tip is to take advantage of automatic deposits—which help you put away a little bit each pay period without even thinking about it. 2. WHERE to keep your money To avoid the temptation of tapping into your emergency fund for day‐to‐day expenses, we suggest keeping your money in a separate account. Consider a savings or money market account so you have an easy way to access your cash when you need it, while you earn some interest in the meantime. 3. WHAT to use it for Only use your emergency fund for true emergencies—like health expenses, critical home and auto repairs, or paying essential expenses after a job loss. If you do have an emergency, be sure to replenish the money you use so it will be there for next time. Life happens. But an emergency fund can help you weather the unexpected and turn a potential financial catastrophe into an inconvenience. Together, we can help you build a strong financial foundation so you’re more prepared to face life’s unknowns. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 709644.2.0
Views: 85007 Fidelity Investments
Key Things to Know about Fixed Income ETFs | Fidelity
 
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Find out more about exchange-traded funds with us at the https://www.fidelity.com/learning-center/investment-products/etf/overview To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ------------------------------------------------------------------------------------------ Fixed income can be a critical part of nearly every well-diversified portfolio. Used correctly, fixed income can add diversification and a steady source of income to any investor’s portfolio. But how do you choose the right fixed-income ETF? The key to choosing the right fixed-income ETF lies in what it actually holds. U.S. bonds or international bonds? Government securities or corporate debt? Bonds that come due in two years or 20 years? Each decision determines the level of risk you’re taking and the potential return. There are many types of risks to consider with bond investing. Let’s talk more about two in particular: Credit risk and Interest-rate risk. Determining the level of credit risk you want to assume is an important first step when choosing a fixed-income ETF. Do you want an ETF that only holds conservative bonds—like bonds issued by the U.S. Treasury? Or do you want one holding riskier corporate debt? The latter may pay you a higher interest rate, but if the company issuing the bond goes bankrupt, you’ll lose out. ETFs cover the full range of available credit. Look carefully at the credit quality composition of the ETFs underlying holdings, and don’t be lured in by promises of high yields unless you understand the risks. Bonds are funny. Intuitively, you would assume that higher interest rates are good for bondholders, as they can reinvest bond income at higher prevailing interest rates. But rising interest rates may be bad news, at least in the short term. Imagine that the government issues a 10-year bond paying an interest rate of 2%. But shortly thereafter, the U.S. Federal Reserve hikes interest rates. Now, if the government wants to issue a new 10-year bond, it has to pay 3% a year in interest. No one is going to pay the same amount for the 2% bond as the 3% bond; instead, the price of the 2% bond will have to fall to make its yield as attractive as the new, higher-yielding security. That’s how bonds work, like a seesaw: As yields rise, prices fall and vice versa. Another important measure to consider when looking at interest rate risk is duration which helps to approximate the degree of price sensitivity of a bond to changes in interest rates. The longer the duration, the more any change in interest rates will affect your investment. Conversely, the shorter the duration, the less any change in interest rates will affect your investment. Let’s review a few other considerations when looking at fixed income ETFs. First, expense ratios: Because your expected return in a bond ETF is lower than in most stock ETFs, expenses take on extra importance. Generally speaking, the lower the fees, the better. Second, tracking difference: It can be harder to run a bond index fund than an equity fund, so you may see significant variation between the fund’s performance and the index’s returns. Try to seek out funds with low levels of tracking difference, meaning they track their index well. Finally, some bonds can be illiquid. As a result, it’s extra important to look out for bond ETFs with good trading volumes and tight spreads. There are other factors to watch for too, but these are the basics. ETFs can be a great tool for accessing the bond space, but as with anything, it pays to know what you’re buying before you make the leap. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 723251.2.0
Views: 63948 Fidelity Investments
What is Margin Trading? | Fidelity
 
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Have you always wondered what it means to trade on margin? In this video, you’ll learn what margin trading is and if it is a strategy that could help you achieve your investment goals. To get started with margin trading, visit: https://www.fidelity.com/trading/advanced-trading-tools/margin-trading To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments _____________________________________________________________ What is margin trading? How does it work, and what are some of the benefits and risks? Over the next few minutes, we’ll take away some of the mystery of margin trading and help you decide whether it is a strategy that can help you achieve your investment goals. Margin trading is a form of borrowing that lets you leverage securities you already own to purchase additional securities, protect your account from overdraft or access a convenient line of credit. Margin trading is not designed for any specific type of customer – it may be right for any investor looking for additional leverage in their investment. Here’s an example of how it works: assume you want to buy 1,000 shares of QRS stock at $10 per share, but only have $5,000 in investable cash available. With a margin account, you can use your $5,000 in cash and borrow the other $5,000 on margin to make your purchase. Without margin – with what’s called a cash account – you would need the full $10,000 in cash to make this stock purchase. Now let’s see how a margin loan could impact your investment return. Assume the QRS stock rises in value from $10,000 to $11,000 and you sell it. You would pay back the $5,000 margin loan and realize a profit of $1,000. That’s a 20% return on your $5,000 investment. Without a margin loan, you would have invested $10,000 in cash and realized only a 10% return. While leverage is a powerful tool when the price of the security moves in your favor, it is also important to recognize the downside if the stock price falls. Let’s look at the flip side of the same example. Assume the market value of the QRS stock you purchased with margin for $10,000 falls to $9,000. Your equity – which is the value of your position minus the loan balance of $5,000 – would fall to $4,000. That’s a 20% loss from a 10% decrease in market value. Just like any loan, you will also incur interest charges that begin accruing on the date your trade settles, which is typically two days for a stock. The rate you pay depends on your outstanding margin balance – known as the margin debit balance. The rate is typically calculated using a tiered schedule, meaning the higher your debit balance, the lower the rate you are charged. You should also know that margin loans have no set repayment schedule, as long as you maintain the required level of equity in your account. Let’s shift focus to this equity requirement, along with some other important requirements for margin accounts. In order to buy securities on margin, you must also deposit enough cash or eligible securities to meet the initial margin requirement for your purchase. Typically, this is 50%, which is a requirement set by the Federal Reserve Board. Once you have started buying stock on margin, you are required to maintain a certain level of equity in your margin account. This requirement varies based on the type of security. For example, a stock generally has a maintenance requirement of 25% and is set by the New York Stock Exchange and FINRA. A brokerage firm may impose a higher requirement due to factors including, but not limited to, holding a significant portion of your account in a single security, which is known as a concentrated position. The security you are investing in must be eligible for margin in the first place, and not all securities are eligible. For example, while most stocks and fixed income securities, such as treasuries, are eligible, CDs and money markets are not. You can find out whether a security is eligible, as well as the specific margin requirements for each type of security, at https://www.fidelity.com/margin. Now we’ll put this information together and see how it all works. Margin trading entails greater risk, including but not limited to risk of loss and incurrence of margin interest debt, and is not suitable for all investors. Please assess your financial circumstances and risk tolerance prior to trading on margin. If the market value of the securities in your margin account declines, you may be required to deposit more money or securities in order to maintain your line of credit. If you are unable to do so, Fidelity may be required to sell all or a portion of our pledged assets. Margin credit is extended by National Financial Services, Member NYSE, SIPC. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 713730.5.0
Views: 28110 Fidelity Investments
Options for Your Old 401(k) | Fidelity
 
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Whether you’re retiring or leaving a job for other reasons, it’s important to make informed decisions about your retirement savings options. This video will help you learn how to evaluate your situation and assist you in making the most of what you’ve saved To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelityinvestments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 635547.4.0
Views: 12690 Fidelity Investments
A Grandmother’s Endearing Savings Story | Fidelity
 
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Marian Barnett saved for two years so she could sky jump at age 90, a result of a lifetime of saving that helped her build a strong Personal Economy. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ____________________________________________________________ My name is Marian Louise Theresa Stinger Barnett. I was born July 17, 1921, the ninth of eleven children. Every Sunday, my mother would clean out every drawer to find five cents. I never had a nickel other than that. The only time I thought I was poor was one time I unwrapped my sandwich out of my yesterday’s paper, and the kids around me said, “Marian eats lard!” Then, when I got out of high school and business college, I joined the service on January 13th, 1943. A couple of month later, I married the man of my dreams, Fred Barnett, in San Francisco in Chinatown. When Freddy and I got married we decided never to live beyond our income – his income. Mine, I put in the bank. When we went to buy a car one time, Freddy said, “Let’s go.” I said, “I don’t want a new car.” I said, “I don’t want to spend the money.” He said, “Let’s go!” So we went down to see Jimmy at this car place, and we looked at it and he liked it and I liked it, and he said, “Okay, Jim, we’ll take it.” And Jim, he said, “Well, how are you going to pay for it?” and I said, “Give me the bottom line.” And he did and I… got out my checkbook and wrote him a check. Freddy said, “What are you doing?” and I said, “I’m paying for the car.” He said, “I didn’t know that had that much money in the bank.” And I said, “Well if you had asked me, I would have told you.” But you have to learn how to take care of your money. Just now I’ve got my jar in there by the door, I bet I’ve got $500 in change in that. My mother would have been proud of me. I’ve saved for two years to sky jump. Jumping out of the airplane was something I wanted to do. And Freddy wouldn’t go with me! I said, “Come on, Freddy, let’s go do it.” He said, “I don’t want to.” And I said, “Coward.” And my kids wouldn’t do it. My daughter said she did it in Cleveland, but I have a BIG doubt about that. And then Tiffany called and said, “Grandma, I’m going to be 30 next year. Would you jump out of an airplane with me?” I said, “Sure, let’s go now.” When I signed in, they all marveled, “How old are you?” I said, “90.” “Oh my gosh, I wouldn’t do it for the world.” I said, “I might be stupid, but I can fall out of an airplane.” And, the most apprehension I had was sitting on the airplane, waiting to get altitude. But, once we got there and he said, “we’re gonna go out on ‘three.’” I said, “you’d better push!” He did. “Three” and off we went. It isn’t scary, just floating through the clouds. We’re in the clouds, doing it. And he talked all the way through it. “Now, look down you’ll see the church” and “look down you’ll see where you live” and “look down…” It’s an experience. It really is. You can just sit and do nothing, but I don’t…If I sit and do nothing, I’m bored. I’d rather save my money and jump out of an airplane again. That’s more fun. A great story is worth saving for. Let Fidelity help you save for your future. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 621261.2.0
Views: 54302 Fidelity Investments
CD Ladders: Discovering certificate of deposit strategies | Fidelity
 
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Watch this video to understand how you can use a certificate of deposit (CD) barbell strategy to help you earn more with your cash. To learn more about CDs, visit: https://www.fidelity.com/fixed-income... To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinves... Facebook: https://www.facebook.com/fidelityinve... Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fide... Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 730668.5.0
Views: 19568 Fidelity Investments
What is an ETF? | Fidelity
 
03:44
In this video, learn more about what an ETF actually is, and how investing in ETFs can affect your portfolio. To learn more about ETFs, visit https://www.fidelity.com/learning-center/investment-products/etf/overview To get started investing with ETFs, visit https://www.fidelity.com/etfs/overview. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments What is an exchange-traded fund? It’s simple, really. ETFs are baskets of securities designed to provide exposure to different areas of the market. If used correctly, ETFs may be powerful tools for building solid, well-diversified portfolios. If you want exposure to the S&P 500 Index, there’s an ETF for that. Brazilian equities? Corporate bonds? Municipal bonds? Commodities? Yes to all. Let’s look at three key attributes of ETFs. The first attribute is hinted at by the name: exchange-traded funds. ETFs trade throughout the day, like stocks, meaning you can buy or sell them any time the market is open. But intraday trading introduces new challenges and costs. As with stocks, you must pay a spread when you buy or sell an ETF. Unless an ETF is part of a commission-free trading program, you must pay a commission too. Be sure to pay attention to any short-term trading fees that may be incurred within a prescribed time frame when selling an ETF. And while most ETFs trade close to their net asset value, you’ll want to keep an eye on less liquid ETFs to make sure you’re getting a fair price, too. ETFs may trade at a price that is higher (premium) or lower (discount) to their net asset value. The second attribute is cost. Let’s review a few of the reasons ETFs can be a cost efficient investment. For starters, most ETFs are index funds, which means they track the returns of a market index and are passively managed. This type of passively managed product tends to be less expensive than an actively managed product. Secondly, the ETF structure itself provides cost advantages: recordkeeping, transfer agent and other fees may be lower for ETFs than for traditional mutual funds. ETF companies may pass some of these savings along to you, the investor. Remember, though, to consider the costs of trading the ETF before you buy. Just because it has a lower headline expense ratio does not necessarily mean it’s cheaper to own when you consider other costs. The third attribute is tax efficiency. One of the ways that ETFs have the potential to be tax efficient is because there are typically fewer taxable events in an ETF. For example, if you own shares of an ETF, and another shareholder decides to sell some of his shares, that shareholder simply sells the shares to another investor…very similar to selling a stock. In this scenario, there would generally be no capital gains transactions for the other shareholders of the ETF. Keep in mind, the tax treatment from one ETF to another can differ and you should always be sure to read the prospectus for specific details. One last hint when considering ETFs: Be careful when selecting which ETF to buy. While many ETFs sound similar, they don’t always provide the same exposure. Two different biotech ETFs, for instance, can hold very different stocks, and their annual performance can vary quite a bit. Like any investment, you have to do your research and make sure you know what you’re buying. Remember, ETFs are another tool in your investing toolbox, and like any tool, the more you understand how to use them, the more effectively you can put them to work. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 723245.2.0
Views: 89339 Fidelity Investments
How Do You Trade ETFs? | Fidelity
 
02:53
This video will teach you the basics of trading ETFs. Find out more about exchange-traded funds with us at the https://www.fidelity.com/learning-center/investment-products/etf/overview To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ---------------------------------------------------- How do you trade ETFs? It’s a great question. The fact that ETFs trade on an exchange like stocks is one of their biggest selling points. It means you can trade any time the market’s open, rather than waiting until the end of the day like you do with traditional mutual funds. You can also trade an ETF the same way you would trade any stock: You can buy it on margin, if you have that feature in your account. You can even short sell most ETFs. But this liquidity comes with several costs which are important to keep in mind when you’re investing in ETFs. Let’s talk more about two of these costs…The first cost is obvious: the commission. Like with any stock, you have to pay a commission when you buy or sell an ETF. This can really add up if you trade a lot. Imagine, for instance, that each month you invest $1,000 into a basket of five different ETFs. Five times $7.95 per trade is close to 40 dollars, or 4% of your total investment. The good news is that most brokerage firms now offer a certain number of ETFs commission-free. You should consider these carefully, as saving on commissions can be a big deal. The spread is the difference between where someone is willing to buy an ETF (or a stock) at and where someone is willing to sell. For instance, if an ETF is trading at $20/share, you might see that it has an “average spread” of “$0.01.” That means you can buy the ETF for $20.01, but you can only sell it for $20.00. Another ETF might show an average spread of “$0.25,” which means you have to buy the ETF for $20.25, but you can only sell it for $20.00. The smaller the spread, the better. Lastly, it’s smart to use good basic trading practices. In general, you should consider using limit orders which are instructions to buy or sell securities at a specific price or better. But remember, if your limit is set to something unrealistic, or if the market’s moving quickly, you’ll need to monitor and adjust your limits to make sure you get your trade executed and you get the price you want – or better. So let’s review a few key points when it comes to trading ETFs: • Remember commissions. • Look at the spread. • Consider using limit orders. ETFs now make up about a quarter of all the volume on the New York Stock Exchange, so plenty of investors are trading ETFs. With a little care and effort, you can too! Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 723247.2.0
Views: 51723 Fidelity Investments
Build Your Portfolio | Fidelity
 
02:24
The first step to smart investing is building a portfolio that's right for your situation. Asset allocation and diversification are the two main principles that can help make it happen. This short video will help you get started. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 709284.6.0
Views: 18724 Fidelity Investments
How to Move Your Checking Account to Fidelity | Fidelity
 
04:01
As part of Fidelity’s cash management solutions, we offer an alternative to a traditional checking account, supported by outstanding customer service, educational videos, and online resources. Watch this video to learn how to get started today with a quick and easy three-step process. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 687009.4.0
Views: 11785 Fidelity Investments
401(k) Contribution Challenge – Investing Basics | Fidelity
 
02:02
What if you contributed just 1 percent more to your 401(k)? In this video for investing novices, you’ll see how saving a small amount each month can make a big difference over time. Find more articles about investing and personal finance at https://fidelity.com/mymoney To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ________________________________________________ You know, the world is full of tempting things to buy. Hey, it’s natural to want to enjoy the money you’re working so hard to earn. And it can be even harder when your family and friends are playing the one-up game. You know how it goes: you buy a TV and your neighbor immediately goes out and buys a bigger TV. Or, you tell a friend about your trip to Florida, and they go out and book a trip to Bali. Rather than getting caught up in a no-win game, what if you one-upped yourself by increasing your 401(k) contributions? By investing in your 401(k), you’re putting yourself first, and actually giving yourself the likelihood of more money in the future. “How?” you say? Well, let’s see how your money can make money. Imagine that you make $50,000 per year. You have a 401(k) and you have $5,000 in it. You’re contributing 6% of your income. At the end of 30 years, you could have about $332,000. Now, let’s say you increase your contribution by just 1%, or $500 per year. Spread out over 12 months, that’s about an extra $42 per month. Over the course of 30 years, you could have about $50,000 more of retirement. Every little bit you put away for retirement can make a difference. And you may not have to change your lifestyle to put away an additional $42 per month. In fact, you may not even notice it, especially because it can automatically come out of your pre-tax paycheck. But you would notice the potential for an additional $50,000 in retirement. So, let the neighbors battle over something as silly as who has the nicest umbrella. Take Fidelity’s one-up challenge, and put yourself first for a change. “One-Up” yourself today! Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 679858.5.0
Views: 46056 Fidelity Investments
How do you trade ETFs? | Fidelity
 
02:53
This video will teach you the basics of trading ETFs. Find out more about exchange-traded funds with us at the https://www.fidelity.com/learning-center/investment- products/etf/overview To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments How do you trade ETFs? It’s a great question. The fact that ETFs trade on an exchange like stocks is one of their biggest selling points. It means you can trade any time the market’s open, rather than waiting until the end of the day like you do with traditional mutual funds. You can also trade an ETF the same way you would trade any stock: You can buy it on margin, if you have that feature in your account. You can even short sell most ETFs. But this liquidity comes with several costs which are important to keep in mind when you’re investing in ETFs. Let’s talk more about two of these costs…The first cost is obvious: the commission. Like with any stock, you have to pay a commission when you buy or sell an ETF. This can really add up if you trade a lot. Imagine, for instance, that each month you invest $1,000 into a basket of five different ETFs. Five times $7.95 per trade is close to 40 dollars, or 4% of your total investment. The good news is that most brokerage firms now offer a certain number of ETFs commission-free. You should consider these carefully, as saving on commissions can be a big deal. The spread is the difference between where someone is willing to buy an ETF (or a stock) at and where someone is willing to sell. For instance, if an ETF is trading at $20/share, you might see that it has an “average spread” of “$0.01.” That means you can buy the ETF for $20.01, but you can only sell it for $20.00. Another ETF might show an average spread of “$0.25,” which means you have to buy the ETF for $20.25, but you can only sell it for $20.00. The smaller the spread, the better. Lastly, it’s smart to use good basic trading practices. In general, you should consider using limit orders which are instructions to buy or sell securities at a specific price or better. But remember, if your limit is set to something unrealistic, or if the market’s moving quickly, you’ll need to monitor and adjust your limits to make sure you get your trade executed and you get the price you want – or better. So let’s review a few key points when it comes to trading ETFs: • Remember commissions. • Look at the spread. • Consider using limit orders. ETFs now make up about a quarter of all the volume on the New York Stock Exchange, so plenty of investors are trading ETFs. With a little care and effort, you can too! Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 723247.4.0
Views: 5037 Fidelity Investments
Trading in Active Trader Pro | Fidelity
 
07:55
Learn to leverage Active Trader Pro's single, multi-trade, and directed trading capabilities to enhance your investing experience. Find out more about trading with us at http://fidelity.com/trading To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 614950.9.1
Views: 64359 Fidelity Investments
Your Retirement Income: 5 Key Risks | Fidelity
 
05:52
Watch this video to understand the 5 key risks that could impact your income stream in retirement, and how to manage them. To find more resources about retirement income, visit: https://www.fidelity.com/calculators-tools/retirement-income-planner To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ------------------------------------------------------------------------------------------------------ When saving for retirement, you know it is important to diversify your investments to manage risk. But once in retirement, there is a different set of risks that can impact a person’s income stream. Longevity, inflation, withdrawal rate, market volatility, and health care are the 5 key risks that you should be familiar with…let’s learn a bit more about each one. Longevity. Who is the longest-living person you’ve ever known? This person was probably in his or her 90s…or maybe even 100. Hard to believe we might live to our 90s…but it’s true. People are healthier and more active today. Your retirement could be 25…30…35 years long – maybe even longer than your working years. Consider Mary and Tom…married, both are 65. There is a 50% chance that at least one of them will live to be 92, and a 25% chance of one living to 97. What does this mean for your retirement? Without a well thought out income strategy, you could easily outlive your savings. Inflation. Prices seem to just go up, never down. Think back to 1990…did you go to the movie theater to see “Home Alone”? Your ticket cost probably cost about $4.22… Go to the movies today, and it costs on average $7.96 – that’s 88% more! And if you stopped and filled up your car with gas on the way there? That was about $1.16 per gallon, but today it’s $3.64 – a whopping 214% more! What does this mean for your retirement? The cost to support your lifestyle in retirement will continue to grow. It’s important to have a plan to help keep up with inflation by including investments with income growth potential. Withdrawal Rate. As you think about your retirement, once you transition, you will start tapping into that nest egg you’ve built. But what’s the right withdrawal rate for you? And should it change throughout retirement? These are 2 very important considerations. Withdrawal rate is the percentage you take out of your portfolio annually. The amount you take can directly impact how long your assets might last in retirement. A common rule of thumb is to use a withdrawal rate of 4% per year, adjusted annually for inflation. This translates into $4,000 in annual income for every $100,000 in savings. The good news here is that your withdrawal rate is something that you can control and adjust as needed to take into account your age, health, availability of other assets, and desire to leave money for your heirs. Fidelity suggests that you also consider other factors such as inflation, market conditions, interest rates, and your asset allocation when determining your own withdrawal rate. What does this mean for your retirement? Take out too much from your nest egg too soon, and you may run out of money…take out too little, and you may have to make some tough decisions about prioritizing needs and wants. Discipline is very important, as is monitoring and rebalancing your portfolio and making proper investment selections, throughout retirement. Market Volatility. The market’s up, the market’s down…unless you have a crystal ball, there really is no way to know what will happen in the future. As we all remember, back in 2008, the S&P 500® Index experienced a 57% decline in just 18 months. And things did turn around after that, with the index experiencing a 173% increase through 2013. [....] Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 700496.3.0
Views: 32623 Fidelity Investments
Open a Traditional IRA and Convert to Roth | Fidelity
 
01:31
Roth IRAs can be an attractive option for many investors as part of their overall retirement planning, providing the potential for tax free growth and withdrawals in retirement, as well as other potential benefits. View these videos to learn about Roth IRAs and how three investors, all with different situations, were able to gain the Roth IRA's potential benefits. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 683689. 6.0
Views: 4511 Fidelity Investments
Rewriting the rules of investing
 
02:58
Rewriting the rules of investing announcing new ways Fidelity delivers value and simplicity to investors. Kathy Murphy announced a series of industry-changing moves that will give investors unparalleled value, simplicity and choice. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 854284.1.0
Views: 11900 Fidelity Investments
What You Should Know Before Taking a 401(k) Loan | Fidelity
 
01:33
Taking a 401(k) loan might seem like an easy fix for some extra cash, but it’s important to know the implications when considering. Watch this video to learn more. To find more tips about investing for beginners, visit: https://fidelity.com/mymoney To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments _________________________________________________________________ Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 707999.5.0
Views: 4462 Fidelity Investments
Chapter 5: Are Mutual Funds or ETFs Right for You? | Fidelity
 
01:35
In this video series, you will learn about whether investing in mutual funds or ETFs might be the right choice for you based on your current financial situation and goals. To open a brokerage account, visit: https://www.fidelity.com/open-account/overview To watch more videos in this series, visit: https://www.youtube.com/playlist?list=PLGKKmEmJDSiKoM-mD24lmaUeupHP62cDW To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments -------------------------------------------------------------------------------------------------------------------------------------------------------------------- Amy is an investor that finds herself in a high tax bracket, and is quite concerned with this situation. She needs an investment that offers her tax efficiency in her taxable account. After some research, Amy has found that if a mutual fund and an ETF are similar, the ETF, in general, has the potential to be more tax efficient than the mutual fund. Why is that? Let’s say Amy owns shares in an ETF, and another shareholder decides to sell some of his shares. That shareholder simply sells the shares to another investor…very similar to selling a stock. There would generally be no capital gains transactions for the ETF as a whole, or for the other shareholders of the ETF. However, if Amy owns shares in a mutual fund, and another shareholder decides to sell some of his shares, the mutual fund may need to sell some securities to raise the cash needed to meet that redemption. This action may incur capital gains for ALL of the mutual fund’s shareholders. Amy does not want her exposure to taxes impacted by the action of other shareholders. For this reason, she opts to invest in the ETF. And Amy is also happy to learn that, at Fidelity, she has access to research tools to help find and evaluate ETF investments. And numerous choices, including Fidelity’s sector ETFs and iShares® ETFs, which she can buy commission-free online. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 682198.2.0
Views: 11780 Fidelity Investments
Chapter 2: Are Mutual Funds or ETFs Right for You? | Fidelity
 
01:50
In this video series, you will learn about whether investing in mutual funds or ETFs might be the right choice for you based on your current financial situation and goals. To open a brokerage account, visit: https://www.fidelity.com/open-account/overview To view more video in this series, visit: https://www.youtube.com/playlist?list=PLGKKmEmJDSiKoM-mD24lmaUeupHP62cDW To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Mary would like to buy a home within the next 5 to 7 years, but needs to save for a down payment and moving expenses first. She has a small amount of money to start with today, and plans on investing a set amount every month for a few years. Convenience is very important to Mary – she doesn’t want to be responsible for remembering to make an investment each month. So she plans on having the monthly investment automatically deducted from her checking account. A mutual fund allows Mary to set up a regular purchase program from her bank account. This automatic feature is not available on an ETF – with an ETF, Mary would need to manually place buy orders for each trade. Since Mary is going to invest a fixed amount of money each month, she may want to consider a mutual fund, as it provides the ability to invest specific dollar amounts. And at Fidelity, Mary has at her fingertips… Over 10,000 mutual funds from hundreds of fund companies, many with no transaction fees. Access to highly rated funds – including those rated four or five stars by Morningstar®¹, one of the industry’s most respected, independent experts on mutual funds… Research and insights from Fidelity, one of the leading investment management firms. Mary also understands that there will be market fluctuation and risk to her investment principal. After doing her homework on the many mutual fund choices available to her, Mary selects a fund whose investment objective and risk profile closely aligns with her investment objectives, risk tolerance, and time. She is excited to be on the road to home ownership. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 682198.2.0
Views: 55146 Fidelity Investments
Selecting Small Business Retirement Plans - Self-employed 401(k)| Fidelity Investments
 
01:43
As a small business owner, you know it’s important to have a retirement plan for yourself, and for any employees you have or may hire. And as you consider which plan is right for your company, it’s important to think carefully about your priorities and goals. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 666593.6.0
Views: 2338 Fidelity Investments
What’s a Mutual Fund? – Investing Basics | Fidelity
 
02:22
What’s a mutual fund, and is it really like sushi? In this video for investing novices, you’ll find out how similar the two products really are. Find more articles about investing and personal finance at https://fidelity.com/mymoney To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments _________________________________________________ A mutual fund is like eating sushi. Okay, it’s like eating a certain kind of sushi. Imagine that you just walked into a sushi restaurant. First of all, the chefs and servers yell at you, “Irra-shai-mase!” But you don’t find that the least bit confusing or frightening, because you’ve been around and you know it just means, “Welcome to our restaurant.” So you belly up to the sushi bar, and you order the omakase, and you sit back and wait for the deliciousness to begin. “Omakase” means “entrust,” which in your new favorite sushi bar loosely translates to “chef’s choice.” You’re entrusting the sushi chef to create a special multi-course menu for you with samples of a large array of foods, and usually the best and freshest fish in the house that night. Now, when lots of regulars at your favorite sushi bar order this way, the chef can buy lots of different ingredients and give the customers much more variety than they would get if they just ordered piecemeal off the menu. That’s sort of how mutual funds work. When you have a modest amount of money to invest, you might only be able to afford a few shares of individual stocks. With a mutual fund, lots of people put a modest amount of money in, creating a large amount of money that can invest in many things. Then each investor gets to enjoy the benefit potential of participating in a large colorful platter of diversified investments. The portfolio manager is the sushi chef. The mutual fund: the omakase. The portfolio manager selects the mix of investments and uses the money through all the investors that bought into this fund to buy the various diverse investments he chooses. The investors can then potentially make money if they sell the shares of their mutual fund for more than they paid for them. Oh, and just like each sushi chef has their own style and approach to cuisine, each portfolio manager has their own style and approach to investing. So, you’ll want to research the fund and the manager before you pick the mutual fund, to make sure that you choose one that’s in line with your investing palette. After all, omakase of octopus and sea urchin probably isn’t for everyone. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 691326.3.0
Views: 71870 Fidelity Investments
What is Capital Structure? | Fidelity
 
01:37
This video breaks down what capital structure means, and what you need to know about the two pillars of debt and equity. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ------------------------------------------------------------------ The term “capital structure” may call to mind a government building. But for investors, it is a key to understanding the value of a company’s equity and debt. Investors can look at the capital structure as the master financial blueprint of the firm. It can tell you which securities might rank first when it comes time to distribute company profits, and which securities come later in line. It can also indicate which investors might be dealt the strongest hands in any reorganization, and which ones are most likely to end up with the scraps. The two pillars of the capital structure are equity and debt. Equity is represented by the different kinds of stock sold to investors and debt by the bonds and notes created to borrow money. Stock can be further broken down into common and preferred. Common stock gives its shareholders control of the company. Preferred stock gives its shareholders first call on any dividends to be paid. Bonds on the other hand may be identified in ways that can overlap, such as senior or junior and secured or unsecured. Any particular bond may be labeled in more than one dimension. Secured debt gives an investor the primary clam to whatever cash flows had been offered as security. Unsecured debt, in contrast, can generally be paid only from resources that were not otherwise committed. Senior debt generally takes precedence over junior debt. Finally, keep in mind that every stock or bond issue can have unique features. To understand them fully, you should consult the security’s prospectus. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 695509.3.0
Views: 7897 Fidelity Investments
CD Barbells: Discovering certificate of deposit strategies | Fidelity
 
03:55
Watch this video to understand how you can use a certificate of deposit (CD) barbell strategy to help you earn more with your cash. To learn more about CDs, visit: https://www.fidelity.com/fixed-income... To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinves... Facebook: https://www.facebook.com/fidelityinve... Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fide... Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 730669.4.0
Views: 9984 Fidelity Investments
Buying and Selling Municipal Bonds in the Secondary Market | Fidelity
 
08:17
Are you curious how to buy or sell an existing municipal bond? Trading municipal securities in the secondary market is an entirely different experience than a new issue bond offering. Learn more about the differences and what you should pay extra attention to during the process. View more videos about investing and trading in our Fidelity Learning Center http://go.fidelity.com/LearnCenter. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 643825.3.0
Views: 24569 Fidelity Investments
Get ready to use Real-Time Analytics in Active Trader Pro® | Fidelity
 
02:43
In just a few simple steps, learn how to get started with Active Trader Pro’s® Real-time Analytics which provides signal alerts based on historical price action. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 737574.10.0
Views: 2009 Fidelity Investments
Charting in Active Trader Pro (ATP) | Fidelity
 
05:52
Learn how to interact with Active Trader Pro’s robust charting capabilities including display options, drawing tools, applying indicators, customization, and more. To learn more about the Active Trader Platform, visit https://www.fidelity.com/learning-center To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelityinvestments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 614953.7.0
Views: 19166 Fidelity Investments
First Quarter 2019 Quarterly Market Update with Dirk Hofschire | Fidelity
 
04:08
Fidelity’s Asset Allocation Research Team shares with you a few insights on the latest market developments and reviews the fourth quarter of 2018 in the markets, as well as a look ahead. _________________________________________________________________ To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 871270.4.0
Split Decisions: Stay at work or go back to school? | Fidelity
 
02:24
Money guru Jean Chatzky helps a young employee decide if grad school is worth the debt, or if she’s better off gaining experience in her field. What would you do? Watch the full video series at https://fidelity.com/mymoney To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ------------------------------------------------------------------------------------------------------------------------------------ KELLY: My name is Kelly, I’m 24 years old and for the past two years -- JEAN: You have been working for me. KELLY: I have, yes. But in this early stage of my career, I’m now questioning whether or not I need to go back to school. I’m nervous that not having an advanced degree is going to hold me back from achieving the level of success that I’d like to achieve. JEAN: School is really expensive, and graduate programs, the cost of them is up 60% over the last decade or so. I mean, they’re just, they’re hugely expensive. And it’s fine to incur the debt if you know you want the job at the end of it. But if you’re not sure, then it’s better to just kick the can down the road. KELLY: I grew up with my parents telling me work hard, you go to school, you earn your degree, and that degree will get you your job. JEAN: There’s no doubt that people with graduate degrees make more money, then people who have a college degree,just like people who have a college degree make more money than people who have a high school diploma. It just, that’s how it works out. But when you look at how to get there, I think there are two tracks, right? There’s a way to get there through work and life experience, and there’s a way to get there through education. When I was probably right about your age, I had an interview with a guy at a business magazine who said to me I needed an MBA, in order to go get that job. And really what he wanted me to be able to do was read balance sheets. And so I actually went out and looked for a job on Wall Street, and got a job on Wall Street for a couple of years where I was able to get those skills. One thing you might want to consider, as you evaluate your alternatives, is look for your next job that would offer you a stepping stone. You’ve got a rolodex that you’ve built up through this job, take people to coffee, ask them questions, see how they did it. You’ll be able to make a more informed decision. KELLY: I’ve been looking at it like an investment. JEAN: That’s exactly how to look at it. KELLY: Investing in myself. But the ROI is to be determined. JEAN: It depends what you want. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 734535.10.0
Views: 178902 Fidelity Investments
Jump start your day with the Daily Dashboard | Fidelity
 
02:16
Learn how to use the Daily Dashboard in Fidelity’s Active Trader Pro– a powerful, easy-to-read snapshot of market and account events along with relevant news that can help you jump start your trading day. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 765933.6.0
Views: 5751 Fidelity Investments
How to Pay Off Debt | Fidelity
 
01:57
Watch this video to learn more about the three tips that can help you tackle your debt faster. To find more tips about investing for beginners, visit: https://mymoney.fidelity.com To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments _________________________________________________ Credit cards, loans, mortgages – there’s a variety of different types of debt, so which should you pay off first? By prioritizing your debt, you can create a step-by-step plan that helps to get f the bad and expensive kind fast, while reducing what youll owe in interest. Here are some tips for taking control of your debt: 1. Start with high interest credit cards. Minimum payments are typically low, and paying only this amount each month will take longer to pay off the balance, and cost you more. Tackle credit cards in the order of their interest rate, starting with the highest. Pay as much as you can towards this credit card and pay the minimum on the others. When the balance is zero, focus on the balance with the next highest rate, and so on. 2. Pay off your most expensive student loans. Private student loans generally carry higher interest rates than government loans. If your private student loans interest rate is above 8%, pay it down next, especially if you’re not eligible to claim the student loan interest as a tax deduction on your income taxes. 3. Keep up with regular payments – mortgages, car loans, and government student loans generally have lower interest rates, and some offer tax benefits, but don’t forget about them. Make just the minimum payments on these types of obligations while you’re paying down your higher interest debt. As a guideline, many advisors suggest that your overall debt shouldn’t exceed 36% of your gross income. Managing your finances well helps to free up money from debt payments, enabling you to put away savings for good use - like an emergency, unplanned expenses, and retirement. Together, we can review your debt and help you prioritize it so you have a plan to get and keep it under control. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 710767.3.0
Views: 25364 Fidelity Investments
Getting Started with Active Trader Pro® | Fidelity
 
06:11
Get more details on how to navigate and customize Fidelity's advanced trading platform - Active Trade Pro® and explore quick tips to help you get started. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 615121.9.0
Views: 16106 Fidelity Investments
Chapter 1: Are Mutual Funds or ETFs Right for You? | Fidelity
 
01:08
In this video series, you will learn about whether investing in mutual funds or ETFs might be the right choice for you based on your current financial situation and goals. To open a brokerage account, visit: https://www.fidelity.com/open-account/overview To watch more videos in this series, visit: https://www.youtube.com/playlist?list=PLGKKmEmJDSiKoM-mD24lmaUeupHP62cDW To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments --------------------------------------------------------------------------------------------------------------------------------------------------- Lots of people invest in mutual funds and exchange traded funds, or ETFs for short… and, before investing, many of them probably asked themselves…Which one should I invest in? What’s the best choice for my investing needs? Let’s meet four different individuals who asked these same questions. Mary has a long term savings goal she’s trying to meet. Tom has a good-sized retirement portfolio, but doesn’t want to spend a lot of time managing it. Amy finds herself in a high tax bracket and is concerned about the impact on her investments. And John is actively involved in managing his portfolio, and is looking for investments that allow him to use various trading strategies. Each considers different things, and makes a decision to invest in either a mutual fund or an ETF based on their individual needs. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 682198.2.0
Views: 7588 Fidelity Investments
Get ready to use Real-Time Analytics in Active Trader Pro® | Fidelity
 
02:44
In just a few simple steps, learn how to get started with Active Trader Pro’s® Real-time Analytics which provides signal alerts based on historical price action. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 737574.7.0
Views: 6665 Fidelity Investments
Five Money Musts | Fidelity
 
03:07
Make money part of your curriculum So maybe you're not majoring in money. We can still help you better understand the basics of your own financial life. To learn more visit www.fidelity.com/mymoneynow To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelityinvestments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 785424.2.0
Views: 22724 Fidelity Investments
Converting Traditional IRA| Fidelity
 
02:04
Roth IRAs can be an attractive option for many investors as part of their overall retirement planning, providing the potential for tax free growth and withdrawals in retirement, as well as other potential benefits. View these videos to learn about Roth IRAs and how three investors, all with different situations, were able to gain the Roth IRA's potential benefits. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 683689.4.0
Views: 2354 Fidelity Investments
Split Decisions: Save or invest? | Fidelity
 
02:14
Money guru Jean Chatzky helps Katie decide whether to build up her emergency fund or start investing in the stock market. What would you do? Watch the full video series at https://fidelity.com/mymoney To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments --------------------------------------------------------------------------------------------------------------------------- KATIE: I’m Katie. I’m 27 years old. And I just started a new career in banking. JEAN: That’s great. Are you working on an emergency cushion? KATIE: Yes. I actually am working on one now. I have probably 2-3 months. But I’m really looking at 6 months to a year. That would be ideal for me. JEAN: I think of savings as a hierarchy. You start with that emergency cushion. And at that point... once you’ve got that nut… it begins to make more sense to put the money to work for you. How about saving for the future and investing for the future? Have you started thinking about that? KATIE: I have, yeah. I actually thought about putting money into the stock market… it makes me a little bit nervous to put any money in there now just because I have a limited amount. I’m not really sure where it’s going to go. JEAN: You said that you’re nervous. Why nervous? KATIE: Just the volatility of the stock market. So it’s been up and down since I kind of started my finance career. I think if I were to invest it would be more so in my Roth or my 401k. JEAN: You have both accounts? KATIE: Yes. JEAN: And are you putting money into either one of them right now? KATIE: Yes. JEAN: Tell me how you’re doing that? KATIE: My employer actually matches 3% so I definitely take advantage of doing that. JEAN: 3% even matched is 6%. And 6% is really not enough. You want to aim to be putting away 10-15%. KATIE: Yea… I’m really trying to decide when is the best time to put my money in the stock market. JEAN: I would say don’t try to time the market. You’re best off just putting money in over time. We call it dollar cost averaging. Which is essentially what you’re doing by using paycheck deductions to go into your workplace plan. Every time you get paid some money comes out of your check… and it goes to work. So what do you think you’ll do with the next dollar that comes your way? KATIE: I’m definitely going to save it. I think I’d like to build a cushion that I have now. Keep building on it. JEAN: And then? KATIE: And then definitely invest it. And hopefully that grows and grows every year with raises and bonuses, and things like that. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 734535.16.0
Views: 37527 Fidelity Investments
Account Authorization | Fidelity
 
03:05
Choosing an account authorization that’s right for you There are varying levels of account access that you can provide to another person. It’s important to choose the most appropriate level to fit your situation. How do you decide the right level to choose? Watch this video to help find the answer that is right for you. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ____________________________________________________________ As an account owner, you have the ability to grant someone access to your account. There are varying levels of access and it’s important to choose the most appropriate level to fit your situation. How do you decide the right level to choose? Over the next few minutes, we’ll help find the answer that is right for you. First, you need to determine who should have access to your account, and what you want to allow them to do. 4 For example, you may want your spouse to be able to view your account balance…or would like your daughter to be able to trade on your account. We’ll use a hypothetical investor, named Amy, to walk us through a few scenarios and review each of the four levels, from the most basic, to the most comprehensive. Amy was recently married…and wants to allow her spouse to view her account balance. For this, inquiry access is most appropriate. With inquiry access, her spouse would not be allowed to place trades, withdraw funds, or update account information and features……he would simply be able to view her account information. t what if Amy does want her spouse to be able to place trades in her account? A step up is to grant limited authority…which will allow her spouse to view and trade on her account. What this does not permit is access to withdraw funds or update account information and features. Now let’s suppose that Amy’s father wants her help managing his IRA account. He is ready to take a distribution from the IRA account, but would rather have Amy handle the transaction. To do so, he can choose to give her full authority. Update Full Trading to Full Authority. This allows an authorized person to withdraw funds from an account, and therefore, would permit his daughter to make that IRA distribution on his behalf. With full authority, you are allowing someone to perform most of the same tasks as you, except for updating account information and features. Keep in mind that with this level of authority, Amy can only direct withdrawals to the address of record or banking instructions that her father previously established. 18 Fast forward into the future, and assume Amy has started her estate planning to help provide security for her loved ones. She wants to make it easy for her son to manage her account, if she becomes unable to do so. Power of Attorney is the most comprehensive level of account access and appropriate in this scenario. This will grant Amy’s son full control over her account…including the ability to view, trade, withdraw from and update the information and features of the account. There you have it! A hierarchy of authorization levels to help make it easier for you to choose the right level depending on your needs. For more information, be sure to visit the Customer Service page on Fidelity.com. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 718875.3.0
Views: 1916 Fidelity Investments
Selecting Small Business Retirement Plans – SIMPLE IRA | Fidelity Investments
 
01:32
As a small business owner, you know it’s important to have a retirement plan for yourself, and for any employees you have or may hire. And as you consider which plan is right for your company, it’s important to think carefully about your priorities and goals. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 666593.5.0
Views: 1428 Fidelity Investments
Second Quarter 2019 Quarterly Market Update with Dirk Hofschire | Fidelity
 
03:42
Fidelity’s Asset Allocation Research Team shares with you a few insights on the latest market developments and reviews the first quarter of 2019 in the markets, as well as a look ahead. __________________________________________________________________ To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 880621.4.0
What to Do After You Roll Over Your 401(k) | Fidelity
 
02:50
Watch this video to learn what next steps you need to take after rolling over an old 401(k). To read about steps to take when you roll over, visit: https://www.fidelity.com/retirement-ira/rollover-checklist To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ---------------------------------------------------------------------------------------------------------------- Congratulations on rolling over your retirement plan assets! Now that you’ve taken this important step, you’ll want to ensure that your assets align with your unique needs for financial fitness. But how? To help demonstrate the importance of staying engaged with your retirement assets after rolling over into an IRA, let’s take a look at a hypothetical investor, named Jim. Jim has a lot of exciting things going on in his life. He recently moved and started a new job. Way to go, Jim! At his prior job, Jim’s retirement assets were part of an employer-sponsored plan. To keep his finances active and healthy, he routinely made contributions to his account, sought guidance on which funds in the plan fit best for his retirement savings goals, and reviewed or rebalanced his account annually. His employer also offered matching contributions which Jim took full advantage of. As a result, his retirement savings grew. As part of the transition to his new firm, Jim decided it was best to roll his old 401(k) over to an IRA. But his assets are sitting in cash. This may not be good for his long-term financial fitness. He needs to be proactive because the process isn’t complete once the assets from an old 401(k) are rolled into an IRA. Jim isn’t alone. Many people don’t take action when it comes to maintaining their financial health. Why? Maybe there are too many investment choices in an IRA or we fear making an investing mistake with a large sum of money; a fear that outweighs the concern of missing out on potential growth from invested funds. Whatever the reason, it is important to take action! In the same way that your physical health depends on regular attention and care, your financial well-being also requires routine TLC. So, what’s next for Jim? He needs to invest his assets to give them a chance to grow and stay healthy. To do this, he can go to https://Fidelity.com or contact a representative to implement an investment strategy with his rollover assets. He also has access to tools, such as the Planning and Guidance Center, to help him analyze his current investment mix and help suggest what may be the most appropriate allocation for his situation. Jim is on the road to getting fit! He’s looking forward to periodic checkups with a representative on the phone or in an Investor Center, and plans on checking his portfolio anytime, anywhere via Fidelity’s mobile app. Get fit like Jim, and take those next steps with YOUR rollover assets! Visit https://Fidelity.com, stop by an investor center, or call a representative to learn more about choosing an IRA. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 736906.2.0
Views: 18541 Fidelity Investments
First Quarter 2019 Quarterly Sector Update with Denise Chisholm | Fidelity
 
04:10
The Quarterly Sector Update, including the Sector Scorecard, is a recurring report that synthesizes equity sector information from four disciplines—business cycle, fundamentals, relative valuations, and relative strength—to create a comprehensive view of the current state of each sector. ____________________________________________________________ To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 871278.3.0
Opening a Roth IRA | Fidelity
 
01:09
Roth IRAs can be an attractive option for many investors as part of their overall retirement planning, providing the potential for tax free growth and withdrawals in retirement, as well as other potential benefits. View these videos to learn about Roth IRAs and how three investors, all with different situations, were able to gain the Roth IRA's potential benefits. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 683689. 5.0
Views: 7563 Fidelity Investments
Chapter 4: Are Mutual Funds or ETFs Right for You? | Fidelity
 
01:37
In this video series, you will learn about whether investing in mutual funds or ETFs might be the right choice for you based on your current financial situation and goals. To open a brokerage account, visit: https://www.fidelity.com/open-account/overview To watch more videos in this series, visit: https://www.youtube.com/playlist?list=PLGKKmEmJDSiKoM-mD24lmaUeupHP62cDW To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Tom has a fairly sizable retirement portfolio – he is investing for the longterm. While Tom keeps on top of his investments, he doesn’t want to devote a lot of time worrying about all the intricacies that come with an active trading strategy. Yet, he still prefers investments that are professionally managed, and has generally enjoyed success with this strategy so far. And while he is wary of the unknowns of investing – such as incurring potential hidden costs – that doesn’t mean he is just looking for the cheapest investment option out there. Mutual funds can provide Tom with the ability to buy funds with no load, no commissions, no transaction fees – there are over 3,000 no load funds available at Fidelity. And mutual funds are bought and sold at their NAV, so there are no premiums or discounts….NAV stands for net asset value, which is the dollar value of one share of the mutual fund. While an ETF also has a NAV, it can trade at a premium or discount. Why is this important? If an ETF is trading at a premium, its market price is higher than its NAV, so Tom would pay a bit more for the ETF than its holdings are actually worth. And if an ETF is trading at a discount, its market price is lower than its NAV, so Tom would buy the ETF for less than the value of its holdings. Based on his findings, Tom decides that a mutual fund is a better choice for his investing needs. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 682198.2.0
Views: 14219 Fidelity Investments
Fidelity Mobile® Check Deposit | Fidelity
 
02:24
Learn how fast and easy it is to make deposits anytime and anywhere. Just snap a photo of a check with your iPhone®, iPad®, or Android™ device to make deposits directly into your Fidelity Account®, from wherever you are. _____________________________________________ To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinves... Facebook: https://www.facebook.com/fidelityinve... Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fide... Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 752067.3.0
Views: 11553 Fidelity Investments
What is a Sector? – Investing Basics | Fidelity
 
01:24
What’s a sector? Find out how stock sectors are just like shopping malls. Find more articles about investing and personal finance at https://fidelity.com/mymoney To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments _________________________________________________ How else can mutual funds be organized? For one, by something called “sectors.” What’s a sector? Well, it’s a way of organizing companies. Imagine you’re at the local mall and you’re trying to find the food court. So, you look at the mall directory. You see that there are dozens of stores. So, to make it easier for you to find the store you’re looking for, the mall has divided them into categories. For example, you’ll probably see categories for women’s clothing, electronics, gifts, sporting goods, and restaurants. You can think of the stock market as a giant shopping mall. Each mutual fund is a store, and those stores - the mutual funds - fall into certain categories. Another word for these is “sectors.” In the stock market, the categories are things like health care, technology, and precious metals. Some mutual funds invest only in companies in certain sectors. They’re called “sector funds.” So in your stock market shopping mall, you can buy into a health care fund, a technology fund, or a transportation fund. And maybe still have some cash left over to hit the food court. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 691158.3.0
Views: 16661 Fidelity Investments