Introduction
At Prosperity, we believe that it doesn't matter whether you're an immigrant or a citizen—you
deserve a fulfilling retirement. We recognize and appreciate the dedication you invest in caring
for your loved ones, and we understand the worries that come with insufficient savings for
retirement.
That’s why we are committed to helping you achieve a worry-free retirement filled with joyful
family experiences, free from the constraints of a 9-to-5 job. With our expert guidance, you can
build a robust retirement fund and enjoy the life you deserve—all for just a dollar to help you
reach your dream retirement!
Step 1: Portfolio Breakdown (Based on $7,000 Max
Investment)
Keep in mind:
A Sample portfolio will be provided below, showing how much to invest in your index funds
with a $7,000 maximum limit.
Diversifying your investments is key to maximizing returns.
THE RULE
Diversification Rule:
As typical investors and for beginners, we recommend the 70-20-10 rule: 70% for
necessities, 20% for savings, and 10% for investments, adjusting over time as your age and
goals change.
70% American (Stable Investment): This portion focuses on U.S. stocks, offering a stable
foundation for your portfolio. Color: Blue represents reliability.
20% International (Medium to Risky Investment): Investing in international markets adds
potential for higher returns but comes with increased risk. Color: Yellow signifies caution.
10% Bonds (Low Investment): Bonds provide lower risk and steady income, acting as a safety
net in your portfolio. Color: Green symbolizes growth and stability.
( EXTRA 5 % ) – TEXT — This Is Meant For You TO Protect Or Preference In Investing
Not All Necessary Or Required since we have bonds and Stable Stocks to Invest.
OUR LIST
Core Vanguard Options
Vanguard remains the gold standard in index funds, offering a variety of funds that can serve as
the backbone of your portfolio.
1. Bonds
🟢 BND - Vanguard Total Bond Market ETF
CLICK UP HERE TO INVEST ☝️
🟢 BNDX - Vanguard Total International Bond ETF
CLICK UP HERE TO INVEST ☝️
🟢 VTIP - Vanguard Short-Term Inflation-Protected Securities ETF
CLICK UP HERE TO INVEST ☝️
2. International Equities
🟡 VXUS - Vanguard Total International Stock ETF
CLICK UP HERE TO INVEST ☝️
🟡 VWO - Vanguard FTSE Emerging Markets ETF
CLICK UP HERE TO INVEST ☝️
3. U.S. Equities
🔵 VTI - Vanguard Total Stock Market ETF
CLICK UP HERE TO INVEST ☝️
🔵 VOO - Vanguard S&P 500 ETF
CLICK UP HERE TO INVEST ☝️
🔵 VONG - Vanguard Russell 1000 Growth ETF
CLICK UP HERE TO INVEST ☝️
🔵 VTV - Vanguard Value ETF
CLICK UP HERE TO INVEST ☝️
4. Sector & Real Estate
🟠 VNQ - Vanguard Real Estate ETF
CLICK UP HERE TO INVEST ☝️
🟠 VGT - Vanguard Information Technology ETF
CLICK UP HERE TO INVEST ☝️
🟠 VHT - Vanguard Health Care ETF
CLICK UP HERE TO INVEST ☝️
Fidelity’s Complementary Options
Fidelity’s diverse offerings allow for fine-tuning of Vanguard’s core portfolio with U.S.-focused
and international exposure, specific sectors, and alternatives.
1. American Equities
Large-Cap U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity Nasdaq Composite Index Fund (FNCMX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® MSCI Information Technology Index ETF (FTEC)
CLICK UP HERE TO INVEST ☝️
Total U.S. Market
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Total Market Index Fund (FSKAX)
CLICK UP HERE TO INVEST ☝️
Small and Mid-Cap U.S. Equities
🔵 Fidelity® Extended Market Index Fund (FSMAX)
CLICK UP HERE TO INVEST ☝️
2. International Equities
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® ZERO International Index Fund (FZILX)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Emerging Markets Fund (FEMKX)
CLICK UP HERE TO INVEST ☝️
3. Bonds and Fixed Income
Investment-Grade Bonds
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
Diversified Bonds
🟢 Fidelity® Total Bond Fund (FTBFX)
CLICK UP HERE TO INVEST ☝️
Inflation Protection
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
CLICK UP HERE TO INVEST ☝️
Short-Term Bonds
🟢 Fidelity® Short-Term Bond Fund (FSHBX)
CLICK UP HERE TO INVEST ☝️
EXTRAS
4. Real Estate Exposure
🟠 Fidelity® Real Estate Investment Portfolio (FRESX)
CLICK UP HERE TO INVEST ☝️
5. Sector-Specific Funds
Technology
🟠 Fidelity® MSCI Information Technology Index ETF (FTEC)
CLICK UP HERE TO INVEST ☝️
🟠 Fidelity® Select Technology Portfolio (FSPTX)
CLICK UP HERE TO INVEST ☝️
Consumer Staples
🟠 Fidelity® MSCI Consumer Staples Index ETF (FSTA)
CLICK UP HERE TO INVEST ☝️
Consumer Discretionary
🟠 Fidelity® MSCI Consumer Discretionary Index ETF (FDIS)
CLICK UP HERE TO INVEST ☝️
Health Care
🟠 Fidelity® MSCI Health Care Index ETF (FHLC)
CLICK UP HERE TO INVEST ☝️
6. Specialty and Alternative Investments
General Growth Index
🟠 Fidelity® Nasdaq Composite Index Fund (ONEQ)
CLICK UP HERE TO INVEST ☝️
Precious Metals (Gold)
🟠 SPDR® Gold Shares (GLD)
CLICK UP HERE TO INVEST ☝️
PICS
REMINDER ONLY FOR A Dollar WOW 😮
WHERE U GET TO READ THE DETAILS OF THE INDEX
Step 2:Start Small, Grow Big
Build a Secure Future with Smart Investment Choices. By balancing growth-focused stocks
with stable bonds, you can set yourself up for a prosperous retirement. Prosperity simplifies
investing, guiding you to create a plan tailored to your goals, no matter where you start. Start
today and make your future as prosperous as you deserve.
Your Results 🎉
YOUR PORTFOLIO BASICS
Your Investment portfolio should be Diversified to Maximize Index Fund Returns. ALSO YOU
ONLY HAVE 7000 TO MAXIMIZE PROFITS A YEAR FOR THE ROTH IRA LIMIT,
Idea 1 dollar investment 583 dollars invested in a 12 month period to be 7000
dollars a year at a percentage of 8 % TO 20 % GIVES you 1 to 2 million dollars in
retirement funds
How We Maximize Profits
We as New Investors should keep in mind when it comes to the Stocks , The 70 , 20 , 10
Rule
70 % American
20 % International
10% Bonds
However This Rule Depends What Type of Investor are you
For some who are young this is perfect but for some who’s old it might be different as:
70% American
0 % International
30% Bonds
For this reason I Have created some Types of Investment depending on your personality
but this is just and example cause we still have to talk about how much money exactly
you would permanently invest into this Stock
REGULAR THE CONSERVATIVE THE RISK TAKER
70% American 70% American 20% American
20 % International 0% International 70% International
10 % Bonds 30 % Bond 10% Bonds
………………………………………………
…
STEP 3 Do The Math
THE MATH FOR YOUR INVESTMENT
At Prosperity we care and Value for your hard work and efforts into feeding and protecting your
loved ones. We at Prosperity would like to give you the dream of having a relaxing , fun family
time with the addition of not working a 9 to 5 at age of retirement.
Time to Calculate a Investment portfolio as an example of how much money you can
have at retirement and how much you should invest in a diversified portfolio!!!
How It Works
So Here's the game of Index the investment is 1 Dollar , 583 Dollars if distributed evenly for 12
months to give you 7000 dollars , 7000 DOLLARS is the MAX PER YEAR TO INVEST IN THE
ROTH IRA.
If you can't Invest evenly 583 Dollars its ok but REMINDER TO MAX THE 7000
DOLLARS TO GET MAXIMUM RETURNS IN A 12 MONTH PERIOD
Example for my Visual Learners :
GOAL MAX OUT ROTH IRA = 7000 As THE LIMIT
EVENLY DISTRIBUTED AVERAGE PERSON INVESTOR
Jan 583 Jan 100$
Feb 583 Feb 683$
Mar 583 Mar 400$
Apr 583 Apr 225$
May 583 May 210$
Jun 583 Jun 583$
Jul 583 Jul 583$
Aug 583 Aug 1000$
Sep 583 Sep 2000$
Oct 583 Oct 608$
Nov 583 Nov 304$
Dec 587 Dec 304$
TOTAL = 7000 TOTAL = 7000
ROTH IRA MAX ROTH IRA MAX
Portfolios and much for each stock should I invest
Given the basic rule of investing 70 , 10 , 20 You can invest exactly and precisely.
How much money should I put in each stock and how much would be my profit return after my
retirement age of 60
REMEMBER U ONLY HAVE 7000 DOLLARS TO INVEST THE LIST I GIVE YOU IS
THE OLDEST, MOST PROFITABLE AND TRUSTWORTH STOCKS TO INVEST NO LOSSES
CAN EVER HAPPEN HERE
STEP 4 INVESTING TIME
( ( The Following investment portfolios are ready for you to take action with the best and
professional strategies. NOW THE CHOICE IS BASIC OR EXTRA
Main difference Extra has more options and targets a Special industry Passively; The Basic
one is more strict and protective around the basic fundamentals of my teachings ) )
Summary If Lazy to Read
● Basic Portfolio -( Strict , Bond Protection , Simple )
● Extra Portfolio - ( More options , Passive Growth , Personal Preference if
invest in a Special Industry )
● YOU CAN COPY THESE OR MODIFY IT TO YOUR LIKING THESE EXAMPLES
WORK _ REMEMBER I'M AN EDUCATOR NOT A FINANCIAL ADVISOR
The Goal Of The Portfolio:
● For 18 year olds we have a stable option because we can diversify and balance of
taking risk
● For 20 - 29 year olds Goal build long term wealth
● For 30 - 39 year olds steady growth while balancing risk, emphasizing a mix of equities
for continued wealth building and bonds for increasing stability.
● For 40 - 49 year olds moderate growth, balancing equities with a stronger allocation
to bonds for stability as retirement approaches.
● For 50 - 59 year olds protecting wealth and generating income, with a heavier emphasis
on bonds and low-risk investments while maintaining some growth through equities.
Basic PORTFOLIO ( 18 Year Olds )
U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
**Details of the Index** — (for growth-focused large-cap exposure)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Extended Market Index Fund (FSMAX)
**Details of the Index** — (small and mid-cap exposure)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
**Details of the Index** —(total U.S. market exposure)
CLICK UP HERE TO INVEST ☝️
International Equities
🟡 Vanguard Total International Stock ETF (VXUS)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
Bonds and Fixed Income
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total Bond Market ETF (BND)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total International Bond ETF (BNDX)
**Details of the Index** — (international bond exposure)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
**Details of the Index** —(inflation protection)
CLICK UP HERE TO INVEST ☝️
EXTRA - Portfolio AGE 18
Core U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** – (broad U.S. market exposure)
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (growth-focused large-cap exposure)
🔵 Fidelity® Extended Market Index Fund (FSMAX)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (small and mid-cap exposure)
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (total U.S. market coverage)
🟠 Fidelity® MSCI Information Technology Index ETF (FTEC)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (technology sector exposure)
🟠 Fidelity® Real Estate Investment Portfolio (FRESX)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (real estate sector exposure)
International Equities
🟡 Vanguard Total International Stock ETF (VXUS)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (broad international equity exposure)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (international developed and emerging markets)
Bonds and Fixed Income
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (U.S. bond market exposure)
🟢 Vanguard Total Bond Market ETF (BND)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (diversified bond exposure)
🟢 Vanguard Total International Bond ETF (BNDX)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (international bond exposure)
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (inflation-protected securities)
Specialty and Alternative Investments
🟠 Fidelity® Select Technology Portfolio (FSPTX)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (growth-focused tech exposure)
🟠 Fidelity® MSCI Health Care Index ETF (FHLC)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (healthcare sector for stability and growth)
🟠 SPDR® Gold Shares (GLD)
CLICK UP HERE TO INVEST ☝️
**Details of the Index** (hedge against inflation and market volatility)
Basic Portfolio for Ages 20-29
1. U.S. Equities
● Large-Cap U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® MSCI Information Technology Index ETF (FTEC)
CLICK UP HERE TO INVEST ☝️
Total U.S. Market
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Total Market Index Fund (FSKAX)
CLICK UP HERE TO INVEST ☝️
● Small and Mid-Cap U.S. Equities
🔵 Fidelity® Extended Market Index Fund (FSMAX)
CLICK UP HERE TO INVEST ☝️
2. International Equities
🟡 Vanguard Total International Stock ETF (VXUS)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Emerging Markets Fund (FEMKX)
CLICK UP HERE TO INVEST ☝️
Bonds and Fixed Income
● Core Bonds
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total Bond Market ETF (BND)
CLICK UP HERE TO INVEST ☝️
● International Bonds
🟢 Vanguard Total International Bond ETF (BNDX)
CLICK UP HERE TO INVEST ☝️
● Inflation Protection and Short-Term Bonds
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Short-Term Bond Fund (FSHBX)
CLICK UP HERE TO INVEST ☝️
Extra portfolio ages 20-29
U.S. Equities
● Large-Cap U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® MSCI Information Technology Index ETF (FTEC)
CLICK UP HERE TO INVEST ☝️
● Total U.S. Market
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Total Market Index Fund (FSKAX)
CLICK UP HERE TO INVEST ☝️
● Small and Mid-Cap U.S. Equities
🔵 Fidelity® Extended Market Index Fund (FSMAX)
CLICK UP HERE TO INVEST ☝️
● Sector-Specific Fund (Added)
🟠 Fidelity® MSCI Consumer Discretionary Index ETF (FDIS)
CLICK UP HERE TO INVEST ☝️
International Equities
🟡 Vanguard Total International Stock ETF (VXUS)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Emerging Markets Fund (FEMKX)
CLICK UP HERE TO INVEST ☝️
Bonds and Fixed Income
● Core Bonds
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total Bond Market ETF (BND)
CLICK UP HERE TO INVEST ☝️
International Bonds
🟢 Vanguard Total International Bond ETF (BNDX)
CLICK UP HERE TO INVEST ☝️
● Inflation Protection and Short-Term Bonds
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Short-Term Bond Fund (FSHBX)
CLICK UP HERE TO INVEST ☝️
Added Real Estate Exposure
🟠 Fidelity® Real Estate Investment Portfolio (FRESX)
CLICK UP HERE TO INVEST ☝️
Basic Portfolio for Ages 30-39
U.S. Equities
● Large-Cap U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Nasdaq Composite Index Fund (FNCMX)
CLICK UP HERE TO INVEST ☝️
● Total U.S. Market
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Total Market Index Fund (FSKAX)
CLICK UP HERE TO INVEST ☝️
● Small and Mid-Cap U.S. Equities
🔵 Fidelity® Extended Market Index Fund (FSMAX)
CLICK UP HERE TO INVEST ☝️
International Equities
🟡 Vanguard Total International Stock ETF (VXUS)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Emerging Markets Fund (FEMKX)
CLICK UP HERE TO INVEST ☝️
Bonds and Fixed Income
● Core Bonds
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total Bond Market ETF (BND)
CLICK UP HERE TO INVEST ☝️
● International Bonds
🟢 Vanguard Total International Bond ETF (BNDX)
CLICK UP HERE TO INVEST ☝️
● Inflation Protection and Short-Term Bonds
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Short-Term Bond Fund (FSHBX)
CLICK UP HERE TO INVEST ☝️
EXTRA Portfolio(Ages 30-39)
U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity Nasdaq Composite Index Fund (FNCMX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Total Market Index Fund (FSKAX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Extended Market Index Fund (FSMAX)
CLICK UP HERE TO INVEST ☝️
International Equities
🟡 Vanguard Total International Stock ETF (VXUS)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Emerging Markets Fund (FEMKX)
CLICK UP HERE TO INVEST ☝️
Bonds and Fixed Income
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total Bond Market ETF (BND)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total International Bond ETF (BNDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Short-Term Bond Fund (FSHBX)
CLICK UP HERE TO INVEST ☝️
Extra
● Real Estate Exposure
🟠 Fidelity® Real Estate Investment Portfolio (FRESX)
CLICK UP HERE TO INVEST ☝️
● Technology Sector
🟠 Fidelity® MSCI Information Technology Index ETF (FTEC)
CLICK UP HERE TO INVEST ☝️
● Health Care Sector
🟠 Fidelity® MSCI Health Care Index ETF (FHLC)
CLICK UP HERE TO INVEST ☝️
● Alternative Investments (Precious Metals)
🟠 SPDR® Gold Shares (GLD)
CLICK UP HERE TO INVEST ☝️
Basic Portfolio for Ages 40-49
U.S. Equities
Large-Cap U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
CLICK UP HERE TO INVEST ☝️
Total U.S. Market
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Total Market Index Fund (FSKAX)
CLICK UP HERE TO INVEST ☝️
Small and Mid-Cap U.S. Equities
🔵 Fidelity® Extended Market Index Fund (FSMAX)
CLICK UP HERE TO INVEST ☝️
International Equities
🟡 Vanguard Total International Stock ETF (VXUS)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
Bonds and Fixed Income
Core Bonds
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total Bond Market ETF (BND)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total International Bond ETF (BNDX)
CLICK UP HERE TO INVEST ☝️
Inflation Protection and Short-Term Bonds
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Short-Term Bond Fund (FSHBX)
CLICK UP HERE TO INVEST ☝️
EXTRA Roth IRA Portfolio (Ages 40-49)
U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Total Market Index Fund (FSKAX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Extended Market Index Fund (FSMAX)
CLICK UP HERE TO INVEST ☝️
International Equities
🟡 Vanguard Total International Stock ETF (VXUS)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
Bonds and Fixed Income
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total Bond Market ETF (BND)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total International Bond ETF (BNDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Short-Term Bond Fund (FSHBX)
CLICK UP HERE TO INVEST ☝️
EXTRA
Technology Sector
🟠 Fidelity® MSCI Information Technology Index ETF (FTEC)
CLICK UP HERE TO INVEST ☝️
Health Care Sector
🟠 Fidelity® MSCI Health Care Index ETF (FHLC)
CLICK UP HERE TO INVEST ☝️
Consumer Staples
🟠 Fidelity® MSCI Consumer Staples Index ETF (FSTA)
CLICK UP HERE TO INVEST ☝️
Alternative Investments (Precious Metals)
🟠 SPDR® Gold Shares (GLD)
CLICK UP HERE TO INVEST ☝️
Basic Portfolio for Ages 50-59
U.S. Equities
Large-Cap U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
CLICK UP HERE TO INVEST ☝️
Total U.S. Market
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Total Market Index Fund (FSKAX)
CLICK UP HERE TO INVEST ☝️
Small and Mid-Cap U.S. Equities
🔵 Fidelity® Extended Market Index Fund (FSMAX)
CLICK UP HERE TO INVEST ☝️
International Equities
🟡 Vanguard Total International Stock ETF (VXUS)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
Bonds
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total Bond Market ETF (BND)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total International Bond ETF (BNDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Total Bond Fund (FTBFX)
CLICK UP HERE TO INVEST ☝️
Inflation Protection and Short-Term Bonds
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Short-Term Bond Fund (FSHBX)
CLICK UP HERE TO INVEST ☝️
EXTRA Roth IRA Portfolio (Ages 50-59)
U.S. Equities
🔵 Fidelity® 500 Index Fund (FXAIX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Large Cap Growth Enhanced Index Fund (FSPGX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® ZERO Total Market Index Fund (FZROX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Total Market Index Fund (FSKAX)
CLICK UP HERE TO INVEST ☝️
🔵 Fidelity® Extended Market Index Fund (FSMAX)
International Equities
🟡 Vanguard Total International Stock ETF (VXUS)
CLICK UP HERE TO INVEST ☝️
🟡 Fidelity® Total International Index Fund (FTIHX)
CLICK UP HERE TO INVEST ☝️
Bonds and Fixed Income
🟢 Fidelity® U.S. Bond Index Fund (FXNAX)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total Bond Market ETF (BND)
CLICK UP HERE TO INVEST ☝️
🟢 Vanguard Total International Bond ETF (BNDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Total Bond Fund (FTBFX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Inflation-Protected Bond Index Fund (FIPDX)
CLICK UP HERE TO INVEST ☝️
🟢 Fidelity® Short-Term Bond Fund (FSHBX)
CLICK UP HERE TO INVEST ☝️
Selected Additions
● Health Care Sector
🟠 Fidelity® MSCI Health Care Index ETF (FHLC)
CLICK UP HERE TO INVEST ☝️
● Consumer Staples Sector
🟠 Fidelity® MSCI Consumer Staples Index ETF (FSTA)
CLICK UP HERE TO INVEST ☝️
● Alternative Investments (Optional)
🟠 SPDR® Gold Shares (GLD)
CLICK UP HERE TO INVEST ☝️
Step 4: Common Mistakes to Avoid
"Steering clear of these common pitfalls can help ensure your investment journey is
smooth and successful."
1. Not maxing out Roth IRA:
Failing to contribute the maximum amount to your Roth IRA each year limits your
potential growth and tax-free earnings over time. Taking full advantage of this account
can significantly enhance your retirement savings.
2. Not reinvesting dividends:
Neglecting to reinvest dividends means missing out on the opportunity for
compounded growth over time, as those dividends could purchase more shares of your
investments. Setting up automatic reinvestment through platforms like Vanguard ensures
your money continues to work for you, enhancing long-term returns.
3. Withdrawing before retirement:
Early withdrawals from your retirement accounts can incur penalties and tax
consequences, reducing your overall savings. It's essential to keep your funds invested
to maximize compound growth until retirement age.
