Realize that you don't have to be a genius to succeed in the markets. Fidelity did an internal study a few years ago and found that the accounts that did best over time were those that were in "contested estates" ... meaning that no trades were allowed during contestation. In other words ... your plan should be to decide on a percentage of your assets to put in equity markets (mutual funds) and then do it. Forget timing the market (too complicated). And realize that paying someone to tell you which mutual funds to use is a waste of money. Go to the Fidelity office and get free advice.
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