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The week's question
In March 2025, in the thread "Re: OT, out", Umm asked the members: "Do you think it is because America is made up of magical soil that makes businesses based in America magically profitable?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Retirement Investing
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Author: AdrianC ⎊✹  😊 😞
Number: of 1355 
Subject: Re: Fidelity Portfolio Advisory Services
Date: 12/16/23 8:38 AM
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No. of Recommendations: 2
“Because various factors, I have chosen the highest risk/return allocation (scale 1-10) and am coming up on a decade with them. Over that time, the fees have been approximately 1% annually and the returns have trailed SPX by between 4-5%.”

Probably not an appropriate benchmark. I’d guess your Fidelity portfolio includes international stocks and maybe some bonds?

Is the 1% all in, or do the underlying funds have additional fees?

As Ray says, you can get a reasonable allocation for a lot less than 1%. Lifestrategy funds are good. I used to have all my wife’s stuff in one - it keeps me from messing with it like I do with my own. But… we did move it recently to a Vanguard target date 2050 fund. Similar allocation to the Lifestrategy (10% bonds instead of 20%), slightly lower fees of 0.08% all in IIRC. A lot less than your 1% at Fido. And it is totally set and forget.

It will not shoot the lights out.
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This community has written 1,284 posts about Retirement Investing. The article-length ones it recommended most:
The Case for Long-Term Buy and Hold Investing · 49 recs · 2025
Transferring assets to the next generation · 20 recs · 2025
Retirement Year 8 · 17 recs · 2025
(nearly) year one of retirement has been good · 11 recs · 2026
Buying Treasuries Via Vanguard · 10 recs · 2023
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