Mutual funds are professionally managed pools of investor funds that invest in a focused manner, such as large-cap U.S. stocks. They allow you to diversify your assets across different asset classes and can save you from overpaying on the risks of buying one stock. Fidelity’s dividend-paying mutual funds typically earn about a 6 percent annual return on your investment, and they offer a variety of different investment options to suit your specific goals. They also offer investor fee-free accounts for which you can hold your cash or investments in a wide range of brokerage accounts and accounts from all around the world. We suggest to go here to get all the information needed.


With the SAPP Fund, you’re creating a Roth IRA with no restrictions on the amount you can invest, at any time. It provides a safe haven for investments you want to save for retirement, and you can earn a 2.38 percent regular rate of return on your investments. Even better, you don’t have to wait until retirement to start investing in the SAPP Fund. You can start saving now with a $0 initial investment. Check out our top 6 SAPP fund investments.

iShares Core S&P 500 (DISC) ETF

This fund invests primarily in the S&P 500 index. When the fund went public in 1987, it was among the first shares of this type of index fund to invest in the 500 Index. Since then, it’s remained highly-diversified. You can receive a 5.95 percent regular dividend on your investments, so it will always earn a healthy dividend.


If you choose to do one of the other options above, a Roth IRA is a great option. While a traditional IRA is primarily for people with higher incomes, you’ll probably need to contribute more than $5,500 for a Roth IRA. Still, as you can see, a Roth IRA is a great way to save for retirement, especially when it comes to contributing to a company-sponsored 401(k) and other retirement accounts.

Your contribution of $5,500 to a Roth IRA is known as a “catch-up” contribution to your 401(k), 403(b) or similar plan, which may already be set up for the following year. The catch-up contribution allows you to invest tax-free starting at age 70 . This means you won’t have to start paying taxes until you start making withdrawals from your Roth IRA.

After you make your traditional IRA contributions, you can pay yourself a lump sum from your retirement account through tax-favored withdrawal or Roth IRA conversion.

Investing Tips for 2018

Investors and investors alike need to be on guard with this holiday season. The popular stock market has been on a tear and investors are facing over $5 trillion in wealth. With that much money floating around, it’s easy to forget to plan and set priorities when it comes to retirement investing.