Most people have to invest in the stock market to achieve this objective because otherwise, it's too hard to earn a reasonable rate of return. But while investing in stocks has historically been proven to be the best way to build your wealth, it's not without risk. In fact, because of the chance you could sustain losses, you want to have at least some money outside of the market in other investments.
The big question is: How much is the right amount of stock to own? The answer will depend on several factors. There's no one-size-fits-all approach to determining the amount of your retirement savings that should be invested in the market because a lot depends on two big factors: Your risk tolerance and the amount of time before you'll need your money.
If you're already retired and are drawing from your investment accounts, you don't have much time to wait out market downturns. In fact, you may have to sell some assets at a loss if you need to make a withdrawal to cover your bills during a market crash and don't have time to wait for the inevitable recovery. If you're decades away from retirement, on the other hand, you've got many years and likely many market cycles before you'll need cash from your account.
You can afford to wait out bear markets so you don't lock in losses that happen on paper during tough times. Because your age and date of retirement matter so much, there are a few common rules of thumb that can help you determine the amount you should have in the market. One is called the "Rule of " and it involves subtracting your age from and investing that much money into the market.
There are also other rules, like the Rule of or the Rule of , and you can probably guess how those work -- you'd subtract your age from or from and invest that portion of your money in the market. The second key consideration -- your risk tolerance -- will tell you which of those rules you should use. If you want to be aggressive in your investing, you don't mind taking a little more risk, and you're pretty confident you can pick good investments, the rule of might be a better fit for you.
But if you tend to get nervous when putting your money on the line, you may decide to opt for the rule of instead. Of course, when considering the amount of risk you're willing to take on, you can't forget about the risks associated with investing too little. The more of your money you keep out of the market, the less chance you have to earn generous returns, and the more you have to save to end up with the same nest egg.
You may decide you're happy to invest more to limit your downside risk, but you should make that choice consciously rather than simply out of fear of equity investing. Having either too much money or too little money invested in the stock market can put your retirement security in jeopardy. To avoid taking on too much risk -- or risking earning too little on your investments -- make sure you evaluate your investment strategy and asset allocation every year. You'll need to shift things around as you get older, but making the effort is well worth doing.
The Motley Fool has a disclosure policy. Please direct all licensing questions to legal industrydive. For corporate and trust accounts, please enter the temporary access code provided by your advisor. The Fidelity Absolute Return Fund the " Fund " is available to investors who can meet certain eligibility requirements under the accredited investor prospectus exemption the " Exemption " under applicable Canadian securities legislation.
This Exemption is available only to " accredited investors " as defined in National Instrument , Prospectus Exemptions. Disclosing transactions of covered securities. Disclosing gifts and transfers of ownership of covered securities. Getting approval before engaging in private securities transactions. Getting prior approval to serve as a director. Clearing trades in advance pre-clearance. Trading restricted securities. Participating in an IPO. Investing in a hedge fund or other unregistered investment product or vehicle.
Profiting from knowledge of fund transactions. Influencing a fund to benefit yourself or others. Attempting to defraud a fund. Using a derivative to get around a rule. Additional Rules for Fund-Advisory Employees Surrendering day gains Day Rule. Trading after a research note. All rules listed above for Fund-Advisory Employees, plus the rules in this section. Notification of your ownership of securities in a research note.
Disclosing trading opportunities to the funds before personally trading. Contact Information. Ethics Office. Mail zone. The Rules for Employee Investing are fairly comprehensive. They cover most of the personal investing situations a Fidelity employee is likely to find. If that happens, you need to know what to do. The easiest way to make sure you are making the right decision is to follow these three principles:. Know the policy. It never hurts to take a look at the rules.
Asking questions is always appropriate when you are unclear about what the policy says or how it applies to your situation. Your manager and the Ethics Office are two good places to start. Use sound judgment. Analyze the situation and weigh the options.
Think about how your decision would look to an outsider. Who is subject to This Version of the Code of Ethics? Fund-Knowledgeable Employees. Fund-Advisory Employees. Research Analysts and Portfolio Managers. Other policies you should be aware of. There are other policies that you need to be familiar with. These include:. Information Security practices available at infosecurity. This means never taking unfair advantage of your relationship to the funds or Fidelity in attempting to benefit yourself or another party.
It also means avoiding any actual or potential conflicts of interest with the funds or Fidelity when managing your personal investments. Because no set of rules can anticipate every possible situation, it is essential that you follow these rules not just in letter, but in spirit as well. When you begin working for Fidelity, and again each year, you are required to:. Promptly respond to the e-mail you receive from the Ethics Office each year requiring you to acknowledge the Code of Ethics.
New employees need to respond within 10 days of hire. If you do not have access to e-mail, you may obtain a hard copy of the Acknowledgment Form at MyCompliance. Rules Acknowledgment. Respond to the e-mail that you receive from the Ethics Office to acknowledge your understanding of the rules. In addition to complying with these rules and other company-wide policies, you need to comply with federal securities laws.
If you become aware that you or someone else has violated any of these rules, you need to promptly report the violation. To Do. Call the Ethics Office Service Line at or You must also disclose all covered securities not held in an account. This rule covers not only securities accounts and holdings under your own name or control, but also those under the name or control including trading discretion and any other investment control of your covered persons see Key Concepts on page 6. It includes accounts held at Fidelity as well as those held at other financial institutions.
Information regarding these holdings must not be more than 45 days old when you submit it. Employees newly subject to this rule. Within 10 days of hire or of being notified by the Ethics Office that this version of the Code of Ethics applies to you, submit an Accounts and Holdings Form showing all of your securities accounts and holdings in covered securities not held in an account. Attach the most recent statement for each securities account listed.
If you do not have any securities accounts or applicable holdings, check the appropriate box on the form confirming that you have nothing to disclose. Current employees. Each year, you will receive an Annual Accounts and Holdings Report.
You will be required to confirm that all information previously disclosed is accurate and complete. As soon as any new securities account is opened, or a pre-existing securities account becomes associated with you such as through marriage or inheritance , complete an Accounts and Holdings Form available at MyCompliance. On your next Quarterly Trade Verification, confirm that the list of disclosed securities accounts in the appropriate section of the report is accurate and complete.
Accounts and Holdings Form. Use this form to disclose all new securities accounts and holdings in covered securities not held in an account that become associated with you. With prior written approval from the Ethics Office, you or your covered persons can maintain a covered account at a broker-dealer other than FBS if any of the following applies:.
Close all external covered accounts except for those which you have received written permission to maintain. Follow the specific instructions for each type of account and provide a current statement for each account. Comply with any Ethics Office request for duplicate reporting.
Certain terms have a specific meaning within this version of the Code of Ethics. Covered person. This includes:. Immediate family member. Your spouse, or domestic partner who shares your household, and anyone who is related to you in any of the following ways, whether by blood, adoption, or marriage:. Covered account. Important factors to consider are:. Specifically, a covered account is a brokerage account or any other type of account that holds, or is capable of holding, a covered security, and that belongs to, or is controlled by including trading discretion and any other investment control , any of the following owners:.
Automatic investment plan. Fidelity fund. Selling short. Selling a security that is on loan to you from a broker-dealer rather than owned by you at the time you sell it. You and your covered persons need to maintain holdings in shares of Fidelity funds in a Fidelity account. A covered person who owns an interest in a variable annuity or life insurance product in which underlying assets are held in Fidelity-advised funds, can continue to maintain such an interest where it is currently maintained.
Transfer shares of Fidelity funds to a Fidelity account except for those which you have received written permission to maintain. For permission to maintain shares of Fidelity funds in an account at another financial institution, complete an Exception Request Form available at MyCompliance. Attach a current statement for each account you list on the form. Forward the form and statement s to the Ethics Office.
Covered security. This definition applies to all persons subject to this version of the Code of Ethics. Exceptions The following are not considered covered securities please note that accounts holding non-covered securities still require disclosure :. You need to disclose transactions in covered securities. For accounts held at FBS that you have disclosed, the Ethics Office will receive transaction reports automatically.
For approved covered accounts held outside of FBS, the Ethics Office will arrange to receive duplicate copies of all account statements from the external broker-dealer. For any other transactions in covered securities for example, if you inherit shares in the form of a stock certificate, or if you purchase interests in a Fidelity-advised investment product in a non-brokerage account outside of Fidelity , you need to disclose this transaction information to the Ethics Office.
You do not have to report transactions in a covered account if the transactions are being made under an automatic investment plan see Key Concepts on page 6 , and the details of the plan have been provided to the Ethics Office. For transactions in covered securities not made through a covered account, submit a completed Securities Transaction Report available at MyCompliance. When requested each quarter, promptly confirm or update your transaction history in covered securities on the Quarterly Trade Verification.
You need to notify the Ethics Office of any covered securities that you or your covered persons give, donate, or transfer to another party, or that you or your covered persons receive from another party. This includes, among other things, inheritances of covered securities and donations of covered securities to charities. When requested each quarter, promptly confirm or update your history of giving, donating, transferring, or receiving covered securities on the Quarterly Trade Verification.
Get the necessary approval from your manager, division head, or other authority, as described on the request form. Submit the request to the Ethics Office and await approval. Report the final transaction within 30 days following the end of the quarter in which it was completed, using a Securities Transaction Report available at MyCompliance. When requested each quarter, promptly confirm or update your transaction history in private transactions on the Quarterly Trade Verification.
For private transactions offered by a Fidelity company, the Ethics Office will typically pre-approve such investments for employees who are offered an opportunity to invest. In such cases, you will receive notification that the offering has been pre-approved by the Ethics Office. You need to get prior written approval to serve as a director or trustee of any publicly traded company, or of a non-Fidelity privately held company that is likely to issue shares.
Approval depends on a determination that the activity will not conflict with the best interests of the funds and their shareholders. Request written approval from both your manager and the Ethics Office before participating in any activities outside of Fidelity by completing an Outside Activity Request Form available at MyCompliance.
Generally, requests will not be approved if it is determined that your transaction may take advantage of trading by the funds or create an actual or perceived conflict of interest with fund trades. You and your covered persons must obtain pre-clearance approval before placing any orders to buy or sell a covered security. It is important to understand the following rules before requesting pre-clearance for a trade:.
Pre-clearance approval is only good on the day you receive it. If you do not trade on the day you were granted approval, it expires. Place day orders only orders that automatically expire at the end of the trading session. Good-till-cancelled orders such as orders that stay open indefinitely until a security reaches a specified market price are not permitted. Check the status of all orders at the end of the day and cancel any orders that have not been executed.
If any covered person leaves an order open and it is executed the next day or later , it will generate a violation that will be assigned to you. Standard trading hours are from a. Eastern Standard Time. If you place your trade after p.
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