Three-Fund IRA Portfolios for Fidelity Investors

Plus: Where investment fraud is running rampant and how to protect yourself. [Morningstar](?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_improvingfinances&utm_content=57429&elqTrackId=8052356a420f496982dd3a6998031d8b&elq=d3f7f587cd86426bbd727b9263cd85e5&elqaid=57429&elqat=1&elqCampaignId=29271&elqak=8AF5E5B9D6F97112A39FB74F93331E5E12C5780FE8C7A114F28D54E3808C93569B16) [Improving Your Finances] Improving Your Finances with [Christine Benz]( [Christine Benz] I’ve got to be honest: At this stage in my career, I only want to work on things that help educate. I don’t want to add to the cacophony in an industry that’s notorious for it. If someone reads one of my articles or sits down for one of my presentations and acts on what they’ve learned, I want it to contribute to a decent outcome for them, even if I never see them again. That’s why I like these three-fund portfolios, composed of [core index funds]( in varying allocations for people at every stage of the investing lifecycle. Sure, you could “zhuzh” things up with a few extra holdings here and there; for example, I wouldn’t hate it if the in-retirement Bucket portfolios had a dash of short-term bonds and Treasury Inflation-Protected Securities or if the Saver portfolios had a bit of small-cap value exposure. But these minimalist portfolios have all of the core building blocks that you truly need. Last week I shared [three-fund IRA portfolios from Vanguard]( and this week I shone the spotlight on [three-fund Fidelity portfolios](. Note that all of these portfolios are geared toward tax-sheltered accounts, though I recently highlighted tax-efficient [Vanguard]( and [Fidelity]( versions that are similarly streamlined. Speaking of IRAs, investors in them confront a fork in the road: [Should they make pretax contributions or Roth]( I’d say that it depends, but tax- and retirement-planning expert Ed Slott is on Team Roth. He shares his rationale [in this video](. Investment-related frauds have been on the upswing, with cryptocurrency-related swindles leading the way. Amy Arnott and I had such an informative and [sobering conversation with Kathy Stokes]( director of fraud prevention at AARP. She shared some of the key types of investment and financial fraud that she and her team are seeing these days (it’s not just crypto), as well as how to protect yourself. Finally, I couldn’t be more proud of my forthcoming book, [How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement](zg_bs_g_2731_d_sccl_1/143-2932733-6203903?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_improvingfinances&utm_content=57429&psc=1&elqTrackId=2684ccc85a1a4a00986afc19591d77fe&elq=d3f7f587cd86426bbd727b9263cd85e5&elqaid=57429&elqat=1&elqCampaignId=29271&elqak=8AF5CEE12173EAED49AD4503BB8271E5F239780FE8C7A114F28D54E3808C93569B16). I recently had a chance to discuss it with my friend and fellow Boglehead Rick Ferri for the [Bogleheads on Investing]( podcast. As you might expect from a former Marine Corps officer (him, not me), the interview went off with military precision; we spent two minutes on each chapter. I hope that you enjoy the conversation! With warm regards, Christine Benz P.S.: On September 17 (book launch day!) at 2 p.m. ET, I'll be doing a one-hour Retirement Researcher webinar, "5 Must-Knows About Retirement Spending," leveraging research that Amy Arnott, John Rekenthaler, Jeff Ptak and I have been working on. I'll also be taking your questions. You can [use this link to register](. [How to Choose an Index Fund]( Index funds provide a way to efficiently cover a market. [Read More]( Share: [facebook]( [twitter]( [linkedin]( ADVERTISEMENT [media]( [media] [Should You Bother Contributing to a Pretax 401(k) or IRA?]( Tax and IRA expert Ed Slott discusses how the Secure and Secure 2.0 Acts undermine the case for deferring the tax bill. [Watch Now]( [Roth or Traditional IRA: Which Should You Choose?]( Here’s a simple system to help you break down the choice. [Read More]( [Kathy Stokes: How to Protect Yourself from Investment Fraud]( AARP’s director of fraud prevention discusses the growing threat of crypto-related scams, who is most at risk, and signs investors can watch for. [Listen Now]( [Model IRA Portfolios for Vanguard Investors]( Minimalist three-fund portfolios and active/index fund portfolios for retirees and retirement savers. [Check It Out]( [Three-Fund IRA Portfolios for Fidelity Investors]( While not synonymous with indexing like Vanguard is, the Boston-based giant fields top-flight core index funds. [Read More]( [Tax-Efficient Portfolios for Vanguard Investors]( These 12 portfolios—6 for retirees and 6 for retirement savers—are designed to minimize investment expenses and tax costs. [Find Out More]( [Tax-Efficient Portfolios for Fidelity Investors]( These six portfolios—three for retirees and three for retirement savers—are designed for Fidelity investors’ taxable accounts. [Explore the Portfolios]( Think Like an Analyst With Morningstar Investor Understand funds and stocks from all angles with Morningstar Investor's powerful—and proven—investment ratings and research. Find and compare securities using our comprehensive valuation and performance metrics and get our continuous, unbiased take on the long-term value of thousands of investment opportunities. Investor is your one-stop shop for making better investment decisions. [Start your free trial today](. Stay connected: [twitter]( [facebook]( [linkedin]( [instagram]( [YouTube]( [Apple News]( [View online]( | [See all newsletters]( | [Share your feedback]( [Unsubscribe]( from this newsletter. Or update your [email preferences](. © 2024 Morningstar, Inc. All Rights Reserved. 22 W. Washington St. Chicago, IL 60602