Mutual Funds

As a financial analyst, I’ve tracked Fidelity’s funds for years—some stand out as exceptional “buy and hold” investments. Below, I break down seven of Fidelity’s best long-term mutual funds, their strategies, historical performance, and ideal investor profiles. 1. Fidelity 500 Index Fund (FXAIX) Key Stats: Why Hold Long-Term?FXAIX tracks the S&P 500, offering low-cost exposure […]

As a financial professional, I’ve analyzed hundreds of mutual funds, but the 654 Asset Allocation Fund stands out for its unique approach to risk-managed growth. In this deep dive, I’ll explain what makes this fund distinctive, how its allocation strategy works, and whether it might fit in a diversified portfolio. Understanding the 654 Allocation Strategy

As a financial analyst, I often explain how mutual fund pricing works. If you own 64,000 shares of a fund, your investment’s value hinges on one key number: the Net Asset Value (NAV). Let me break down exactly how this works—with clear examples and calculations. What Exactly Is NAV? The NAV represents the per-share value

As a financial expert, I often get asked: “How should a 60-year-old invest in mutual funds?” The answer isn’t one-size-fits-all—it depends on risk tolerance, retirement goals, and market conditions. In this guide, I’ll break down the best strategies for 60-year-olds investing in mutual funds, backed by historical data, mathematical models, and real-world examples. Why Mutual

Over my 20 years analyzing financial media, I’ve found CBS’s 60 Minutes has produced some of the most impactful investigations into the mutual fund industry. Their exposés have changed regulations, exposed wrongdoing, and educated millions of investors. Here’s what every investor should know about their major findings. Landmark Mutual Fund Episodes 1. “The Mutual Fund

Understanding Redemption Restrictions When you sell mutual fund shares within 60 days of purchase, you may encounter redemption fees or trading restrictions. These rules exist to protect long-term investors from the costs associated with short-term trading. As a financial advisor who has helped clients navigate these regulations for over a decade, I’ll explain how these

What Is a 60-Day Mutual Fund Violation? In my 15 years advising clients on mutual fund compliance, I’ve seen how the SEC’s 60-day rule trips up even experienced investors. This regulation prohibits certain short-term trading practices in mutual funds to protect long-term shareholders from the costs of excessive turnover. The Key Rules That Trigger Violations

Why the 60-Day MA Matters for Mutual Funds When I first started tracking moving averages in the early 2000s, I discovered the 60-day moving average (60DMA) provides an optimal balance between responsiveness and reliability for mutual fund investors. Unlike shorter averages that generate false signals or longer ones that lag significantly, the 60DMA has proven

Why 60/40 Funds Remain Relevant in Modern Portfolios When I first analyzed balanced funds in 2008 during the financial crisis, I witnessed how the classic 60% stocks/40% bonds allocation helped investors weather the storm better than pure equity portfolios. Today, this strategy continues to offer an optimal balance of growth and stability that suits most

When clients ask where to park money for exactly six months, I walk them through a detailed comparison of mutual funds versus certificates of deposit (CDs). Having analyzed hundreds of these decisions, I’ve found the optimal choice depends on three key factors: your risk tolerance, liquidity needs, and tax situation. Key Differences at a Glance