Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 ...

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 ...

Market Overview - Markets are exhibiting defensive behavior, potentially due to a slowing economy and government shutdown [1] Trading Ideas & Strategies - Suggests a trade idea within the health care sector [1] - Recommends rolling a prior successful trade into a new opportunity [1] - Emphasizes the significant risk associated with options trading, advising it may not suit all investors [1] - Highlights that certain complex options strategies carry additional risk [1] Resources & Engagement - Directs readers to the Options Disclosure Document for understanding risks [1] - Promotes "In the Money" educational resources on Fidelity's website [1] - Invites participation in weekly trade idea discussions on Fridays at 1:30 pm ET [1] - Encourages signing up for tips and insights from the team [1] - Provides links to Fidelity's social media presence across various platforms [1]

Healthcare Expenses in Retirement - A single person retiring in 2025 can expect to spend an average of $172,500 on healthcare and medical expenses throughout retirement [1] Health Savings Accounts (HSAs) - Fidelity's "5 Questions with Fidelity" explains how to leverage Health Savings Accounts (HSAs) to manage rising healthcare expenses [1] - The video covers topics such as what an HSA is, who is eligible, common myths, how HSAs can help in retirement, and how to maximize their benefits [1] Fidelity Resources - Fidelity provides insights and perspectives on the markets through its learning center [1] - Fidelity encourages viewers to subscribe to their YouTube channel for more videos and to follow them on various social media platforms [1]

This free 3-part Women Talk Money series is designed to help you find the confidence you need to bet big on yourself. Register today. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1223216.1.0 ...

Hi there everybody. Thanks for making the time to join us for another episode of Market Sense today. I'm Heather Hedes with Fidelity.Lots to talk about today. The global stock rally continues. The S&P closed out its seventh winning week in the last nine weeks and has been continuing to make all-time highs.This is pretty remarkable. And uh I think this next statement I'm about to make is channeling my friend Yurian. You could say this bull market is stomping.It sounds like something Yuri would say to me. Um, ...

Tax Policy Updates & Impacts - The 2017 Tax Cuts and Jobs Act has implications for federal income tax brackets, standard deductions, and state and local tax (SALT) deductions [1] - New federal and gift estate tax rates affect clients [1] - Changes to inherited IRA laws require potential heirs to be informed [1] Tax Management Strategies - Strategies for managing tax liability in retirement include withdrawal strategies, Roth conversions, and charitable contributions [1] - Estate planning strategies, such as annual gifts and the lifetime estate tax exemption, can help efficiently transfer wealth [1] - Fidelity suggests considering Roth conversions as a tax management strategy [1] - Tax-efficient withdrawal strategies are available for retirement income [1] - Trusts can be used to help manage taxes [1] Investment & Business Tax Considerations - Special tax considerations exist for small business owners [1] - Strategies can help reduce taxes on investment income [1] - Strategies can help reduce taxes on mutual fund shares [1] - Tax planning should be incorporated into wealth strategy [1]

Investment Options - Fidelity's Money Unscripted discusses short-term investment options like high-yield savings accounts, money market accounts, CDs, and treasury bills [1] - The segment aims to help viewers define financial goals and weigh risk versus reward [1] - The content encourages viewers to consider options beyond traditional savings accounts [1] Personal Finance Guidance - The episode addresses key savings questions individuals should ask themselves [1] - It explores how to measure individual risk tolerance in investing [1] - The segment provides guidance on determining the appropriate amount of cash to hold [1] Engagement & Resources - Fidelity encourages viewers to ask questions in the comments section [1] - Fidelity provides links to resources on investing for short-term goals [1] - Fidelity promotes its Money Unscripted series, releasing new episodes bi-weekly [1] - Fidelity encourages viewers to engage through various social media platforms [1]

Investment Strategy Importance - A clear investment strategy is crucial for reaching financial goals, acting as a roadmap to navigate the market's unpredictability [1][2] - Investors with a well-defined and consistently followed strategy tend to outperform those without one [3] - Emotions can negatively impact investment decisions, but a solid strategy helps investors make choices based on goals, not feelings [3] Building an Investment Strategy - Experts recommend covering minimum payments, maintaining sufficient cash for daily expenses, utilizing workplace 401K matches, paying off high-interest debt, and fully funding emergency savings before investing [4] - Determine investment goals (long-term like retirement, short-term like education, or mid-term like buying a house) and their timelines to tailor the strategy [4][5] - Risk tolerance is a critical factor; higher risk can lead to greater gains or losses, while lower risk is suitable for shorter timelines [5][6] Investment Options and Considerations - When evaluating stocks, consider the company's business potential, market share growth, revenue and earnings growth, product/service value, and analyst ratings [8] - For bonds, assess the credit rating to gauge the issuer's financial health and repayment likelihood, as well as the bond's duration to understand its sensitivity to interest rate changes [8][9] - Diversification is essential; avoid over-concentration in a single stock or bond to mitigate risk [10] - When selecting ETFs and mutual funds, align the fund's objective with investment goals and consider funds with diversified investments [10][11] - Expense ratios impact returns; even small differences can accumulate significantly over time [11][12] Managing and Maintaining the Strategy - Regularly review and adjust the investment strategy to align with changing needs, timeframes, and risk appetite [14] - Rebalancing the portfolio periodically is essential to maintain the desired asset allocation [14] - Experts suggest reviewing and confirming investment goals at least annually [15]

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