Fidelity 2065 Premier Class: The Ultimate Investment for Your Future

Fidelity 2065 Premier Class: A Comprehensive Overview

Fidelity 2065 Premier Class is a revolutionary target-date fund designed to help you reach your long-term financial goals. This fund automatically adjusts your asset allocation over time, becoming more conservative as you approach your target retirement date.

The 2065 target date signifies the projected retirement year for individuals born around 1998. This fund is suitable for investors who are in their early stages of saving for retirement and expect to retire around 2065.

Key Features of Fidelity 2065 Premier Class

• Glide Path: The fund follows a glide path that gradually reduces equity exposure and increases fixed income exposure as the target retirement date approaches. This reduces volatility and risk exposure as you near retirement.
• Diversification: The fund invests in a wide range of asset classes, including domestic and international stocks, bonds, and alternative investments. This diversification helps to spread risk and enhance returns.
• Low Cost: The fund has a low expense ratio of 0.08%, making it one of the most affordable target-date funds available.

Why Choose Fidelity 2065 Premier Class?

There are numerous reasons why investors choose Fidelity 2065 Premier Class for their retirement savings:

• Convenience: The fund automates the investment process, eliminating the need for frequent rebalancing.
• Professional Management: Fidelity's experienced investment team monitors and adjusts the fund's asset allocation, ensuring it aligns with your investment objectives.
• Long-Term Growth: The fund's target-date glide path is designed to maximize growth potential while minimizing risk over the long term.

Asset Allocation and Investment Strategy

Fidelity 2065 Premier Class employs a sophisticated investment strategy that dynamically adjusts the asset allocation based on the remaining time horizon to retirement.

The fund invests in a broad range of index funds and actively managed funds to achieve its target asset allocation. This strategy provides a balance between maximizing potential returns and reducing volatility.

Performance and Risk

Fidelity 2065 Premier Class has consistently outperformed its peers over the past five years. The fund has delivered an annualized return of 10.2%, compared to the average target-date fund return of 9.6%.

The fund has a risk rating of 6 out of 10, indicating a moderate level of risk. This risk level is appropriate for investors who are in the early stages of saving for retirement and are comfortable with some volatility.

Fees and Expenses

Fidelity 2065 Premier Class has a low expense ratio of 0.08%, which means that $80 out of every $10,000 invested is used to cover fund expenses. This expense ratio is significantly lower than the average expense ratio for target-date funds.

How to Invest in Fidelity 2065 Premier Class

Investing in Fidelity 2065 Premier Class is straightforward. You can open an account online or through a financial advisor. The fund is available in both traditional IRA and Roth IRA accounts.

Conclusion

Fidelity 2065 Premier Class is an exceptional target-date fund that provides investors with a convenient and cost-effective solution for long-term retirement savings. The fund's dynamic asset allocation, professional management, and low expenses make it an ideal choice for investors who are just starting to save for retirement.